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$28,928
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,827
−HK$915/mo
Today · 4.125%
HK$30,742
baseline
▲ 0.50% · 4.625%
HK$32,612
+HK$1,870/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$61,484/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,182
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,045
−HK$875/mo
Today · 4.125%
HK$33,920
baseline
▲ 0.50% · 4.625%
HK$35,708
+HK$1,788/mo
Deposit HK$6.34M · loan HK$6.34M · min. income ≈ HK$67,840/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$475,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,713
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,793
−HK$1,097/mo
Today · 4.125%
HK$36,890
baseline
▲ 0.50% · 4.625%
HK$39,135
+HK$2,245/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$73,780/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,618
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,654
−HK$1,050/mo
Today · 4.125%
HK$40,704
baseline
▲ 0.50% · 4.625%
HK$42,850
+HK$2,146/mo
Deposit HK$5.07M · loan HK$7.61M · min. income ≈ HK$81,408/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$475,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,499
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,758
−HK$1,280/mo
Today · 4.125%
HK$43,038
baseline
▲ 0.50% · 4.625%
HK$45,657
+HK$2,619/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$86,076/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,054
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,263
−HK$1,226/mo
Today · 4.125%
HK$47,489
baseline
▲ 0.50% · 4.625%
HK$49,992
+HK$2,503/mo
Deposit HK$3.81M · loan HK$8.88M · min. income ≈ HK$94,978/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$475,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,070
−HK$3,265/mo
▼ 0.25% · 3.875%
HK$53,689
−HK$1,646/mo
Today · 4.125%
HK$55,335
baseline
▲ 0.50% · 4.625%
HK$58,702
+HK$3,367/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$110,670/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,927
−HK$3,130/mo
▼ 0.25% · 3.875%
HK$59,481
−HK$1,576/mo
Today · 4.125%
HK$61,057
baseline
▲ 0.50% · 4.625%
HK$64,275
+HK$3,218/mo
Deposit HK$1.27M · loan HK$11.42M · min. income ≈ HK$122,114/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$475,730 · Scale 2, in force from 26 Feb 2026)