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$29,105
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,010
−HK$920/mo
Today · 4.125%
HK$30,930
baseline
▲ 0.50% · 4.625%
HK$32,812
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,860/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,379
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,248
−HK$880/mo
Today · 4.125%
HK$34,128
baseline
▲ 0.50% · 4.625%
HK$35,927
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,256/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,926
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,013
−HK$1,103/mo
Today · 4.125%
HK$37,116
baseline
▲ 0.50% · 4.625%
HK$39,375
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,232/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,855
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,897
−HK$1,057/mo
Today · 4.125%
HK$40,954
baseline
▲ 0.50% · 4.625%
HK$43,113
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,908/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,747
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,015
−HK$1,287/mo
Today · 4.125%
HK$43,302
baseline
▲ 0.50% · 4.625%
HK$45,937
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,604/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,331
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,547
−HK$1,233/mo
Today · 4.125%
HK$47,780
baseline
▲ 0.50% · 4.625%
HK$50,298
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,560/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,389
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,019
−HK$1,655/mo
Today · 4.125%
HK$55,674
baseline
▲ 0.50% · 4.625%
HK$59,062
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,348/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,282
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,846
−HK$1,585/mo
Today · 4.125%
HK$61,431
baseline
▲ 0.50% · 4.625%
HK$64,669
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,862/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,649 · Scale 2, in force from 26 Feb 2026)