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$29,090
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$29,995
−HK$920/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,796
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,363
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,231
−HK$880/mo
Today · 4.125%
HK$34,111
baseline
▲ 0.50% · 4.625%
HK$35,909
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,222/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,909
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,994
−HK$1,104/mo
Today · 4.125%
HK$37,098
baseline
▲ 0.50% · 4.625%
HK$39,355
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,196/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,835
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,877
−HK$1,057/mo
Today · 4.125%
HK$40,934
baseline
▲ 0.50% · 4.625%
HK$43,091
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,868/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,727
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,994
−HK$1,287/mo
Today · 4.125%
HK$43,281
baseline
▲ 0.50% · 4.625%
HK$45,914
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,562/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,308
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,523
−HK$1,233/mo
Today · 4.125%
HK$47,756
baseline
▲ 0.50% · 4.625%
HK$50,273
+HK$2,517/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,512/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,363
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,992
−HK$1,655/mo
Today · 4.125%
HK$55,647
baseline
▲ 0.50% · 4.625%
HK$59,032
+HK$3,385/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,294/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,253
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,816
−HK$1,584/mo
Today · 4.125%
HK$61,400
baseline
▲ 0.50% · 4.625%
HK$64,637
+HK$3,237/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,800/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,409 · Scale 2, in force from 26 Feb 2026)