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$29,113
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,018
−HK$920/mo
Today · 4.125%
HK$30,938
baseline
▲ 0.50% · 4.625%
HK$32,821
+HK$1,883/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,876/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,387
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,256
−HK$881/mo
Today · 4.125%
HK$34,137
baseline
▲ 0.50% · 4.625%
HK$35,937
+HK$1,800/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,274/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,935
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,022
−HK$1,104/mo
Today · 4.125%
HK$37,126
baseline
▲ 0.50% · 4.625%
HK$39,385
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,252/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,865
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,907
−HK$1,058/mo
Today · 4.125%
HK$40,965
baseline
▲ 0.50% · 4.625%
HK$43,124
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,930/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,758
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,025
−HK$1,288/mo
Today · 4.125%
HK$43,313
baseline
▲ 0.50% · 4.625%
HK$45,949
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,626/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,342
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,558
−HK$1,234/mo
Today · 4.125%
HK$47,792
baseline
▲ 0.50% · 4.625%
HK$50,311
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,584/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,403
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,033
−HK$1,656/mo
Today · 4.125%
HK$55,689
baseline
▲ 0.50% · 4.625%
HK$59,077
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,378/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,297
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,861
−HK$1,586/mo
Today · 4.125%
HK$61,447
baseline
▲ 0.50% · 4.625%
HK$64,686
+HK$3,239/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,894/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,771 · Scale 2, in force from 26 Feb 2026)