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$29,094
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,999
−HK$919/mo
Today · 4.125%
HK$30,918
baseline
▲ 0.50% · 4.625%
HK$32,800
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,836/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,367
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,235
−HK$880/mo
Today · 4.125%
HK$34,115
baseline
▲ 0.50% · 4.625%
HK$35,914
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,230/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,913
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,999
−HK$1,103/mo
Today · 4.125%
HK$37,102
baseline
▲ 0.50% · 4.625%
HK$39,360
+HK$2,258/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$74,204/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,840
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,882
−HK$1,056/mo
Today · 4.125%
HK$40,938
baseline
▲ 0.50% · 4.625%
HK$43,096
+HK$2,158/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$81,876/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,731
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$41,998
−HK$1,288/mo
Today · 4.125%
HK$43,286
baseline
▲ 0.50% · 4.625%
HK$45,919
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,572/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,313
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,529
−HK$1,232/mo
Today · 4.125%
HK$47,761
baseline
▲ 0.50% · 4.625%
HK$50,279
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,522/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,369
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,998
−HK$1,655/mo
Today · 4.125%
HK$55,653
baseline
▲ 0.50% · 4.625%
HK$59,039
+HK$3,386/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,306/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,260
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,822
−HK$1,586/mo
Today · 4.125%
HK$61,408
baseline
▲ 0.50% · 4.625%
HK$64,644
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,816/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,464 · Scale 2, in force from 26 Feb 2026)