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$29,119
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,025
−HK$920/mo
Today · 4.125%
HK$30,945
baseline
▲ 0.50% · 4.625%
HK$32,828
+HK$1,883/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,890/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,395
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,263
−HK$882/mo
Today · 4.125%
HK$34,145
baseline
▲ 0.50% · 4.625%
HK$35,945
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,290/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,943
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,030
−HK$1,104/mo
Today · 4.125%
HK$37,134
baseline
▲ 0.50% · 4.625%
HK$39,393
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,268/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,873
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,916
−HK$1,058/mo
Today · 4.125%
HK$40,974
baseline
▲ 0.50% · 4.625%
HK$43,133
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,948/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,767
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,035
−HK$1,288/mo
Today · 4.125%
HK$43,323
baseline
▲ 0.50% · 4.625%
HK$45,959
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,646/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,352
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,569
−HK$1,234/mo
Today · 4.125%
HK$47,803
baseline
▲ 0.50% · 4.625%
HK$50,322
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,606/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,414
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,044
−HK$1,657/mo
Today · 4.125%
HK$55,701
baseline
▲ 0.50% · 4.625%
HK$59,090
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,402/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,310
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,874
−HK$1,586/mo
Today · 4.125%
HK$61,460
baseline
▲ 0.50% · 4.625%
HK$64,700
+HK$3,240/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,920/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,877 · Scale 2, in force from 26 Feb 2026)