The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$29,154
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,061
−HK$921/mo
Today · 4.125%
HK$30,982
baseline
▲ 0.50% · 4.625%
HK$32,867
+HK$1,885/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,964/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,433
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,303
−HK$883/mo
Today · 4.125%
HK$34,186
baseline
▲ 0.50% · 4.625%
HK$35,988
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,372/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,985
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,073
−HK$1,105/mo
Today · 4.125%
HK$37,178
baseline
▲ 0.50% · 4.625%
HK$39,441
+HK$2,263/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$74,356/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,920
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,964
−HK$1,059/mo
Today · 4.125%
HK$41,023
baseline
▲ 0.50% · 4.625%
HK$43,185
+HK$2,162/mo
Deposit HK$5.11M · loan HK$7.67M · min. income ≈ HK$82,046/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,815
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,085
−HK$1,290/mo
Today · 4.125%
HK$43,375
baseline
▲ 0.50% · 4.625%
HK$46,014
+HK$2,639/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,750/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,407
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,624
−HK$1,236/mo
Today · 4.125%
HK$47,860
baseline
▲ 0.50% · 4.625%
HK$50,383
+HK$2,523/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,720/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,477
−HK$3,291/mo
▼ 0.25% · 3.875%
HK$54,109
−HK$1,659/mo
Today · 4.125%
HK$55,768
baseline
▲ 0.50% · 4.625%
HK$59,161
+HK$3,393/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,536/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,380
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$59,946
−HK$1,588/mo
Today · 4.125%
HK$61,534
baseline
▲ 0.50% · 4.625%
HK$64,778
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,068/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,450 · Scale 2, in force from 26 Feb 2026)