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$29,115
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,021
−HK$920/mo
Today · 4.125%
HK$30,941
baseline
▲ 0.50% · 4.625%
HK$32,824
+HK$1,883/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,882/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,391
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,259
−HK$881/mo
Today · 4.125%
HK$34,140
baseline
▲ 0.50% · 4.625%
HK$35,940
+HK$1,800/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,280/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,938
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,025
−HK$1,104/mo
Today · 4.125%
HK$37,129
baseline
▲ 0.50% · 4.625%
HK$39,389
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,258/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,869
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,911
−HK$1,058/mo
Today · 4.125%
HK$40,969
baseline
▲ 0.50% · 4.625%
HK$43,128
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,938/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,761
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,029
−HK$1,289/mo
Today · 4.125%
HK$43,318
baseline
▲ 0.50% · 4.625%
HK$45,953
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,636/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,347
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,563
−HK$1,234/mo
Today · 4.125%
HK$47,797
baseline
▲ 0.50% · 4.625%
HK$50,316
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,594/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,408
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,038
−HK$1,656/mo
Today · 4.125%
HK$55,694
baseline
▲ 0.50% · 4.625%
HK$59,083
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,388/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,303
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,867
−HK$1,586/mo
Today · 4.125%
HK$61,453
baseline
▲ 0.50% · 4.625%
HK$64,692
+HK$3,239/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,906/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,817 · Scale 2, in force from 26 Feb 2026)