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$29,116
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$920/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,825
+HK$1,883/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,884/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,392
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,260
−HK$882/mo
Today · 4.125%
HK$34,142
baseline
▲ 0.50% · 4.625%
HK$35,941
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,284/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,940
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,026
−HK$1,105/mo
Today · 4.125%
HK$37,131
baseline
▲ 0.50% · 4.625%
HK$39,390
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,262/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,870
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,912
−HK$1,058/mo
Today · 4.125%
HK$40,970
baseline
▲ 0.50% · 4.625%
HK$43,130
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,940/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,763
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,031
−HK$1,288/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,955
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,348
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,564
−HK$1,234/mo
Today · 4.125%
HK$47,798
baseline
▲ 0.50% · 4.625%
HK$50,318
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,596/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,409
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,040
−HK$1,656/mo
Today · 4.125%
HK$55,696
baseline
▲ 0.50% · 4.625%
HK$59,085
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,392/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,305
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,869
−HK$1,586/mo
Today · 4.125%
HK$61,455
baseline
▲ 0.50% · 4.625%
HK$64,694
+HK$3,239/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,910/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,834 · Scale 2, in force from 26 Feb 2026)