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$29,087
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$920/mo
Today · 4.125%
HK$30,911
baseline
▲ 0.50% · 4.625%
HK$32,792
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,822/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,359
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,227
−HK$880/mo
Today · 4.125%
HK$34,107
baseline
▲ 0.50% · 4.625%
HK$35,905
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,214/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,904
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,990
−HK$1,103/mo
Today · 4.125%
HK$37,093
baseline
▲ 0.50% · 4.625%
HK$39,350
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,186/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,830
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,872
−HK$1,056/mo
Today · 4.125%
HK$40,928
baseline
▲ 0.50% · 4.625%
HK$43,086
+HK$2,158/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,856/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,721
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,988
−HK$1,287/mo
Today · 4.125%
HK$43,275
baseline
▲ 0.50% · 4.625%
HK$45,908
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,550/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,302
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,517
−HK$1,233/mo
Today · 4.125%
HK$47,750
baseline
▲ 0.50% · 4.625%
HK$50,267
+HK$2,517/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,500/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,356
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,985
−HK$1,654/mo
Today · 4.125%
HK$55,639
baseline
▲ 0.50% · 4.625%
HK$59,025
+HK$3,386/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,278/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,246
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,808
−HK$1,584/mo
Today · 4.125%
HK$61,392
baseline
▲ 0.50% · 4.625%
HK$64,629
+HK$3,237/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,784/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,347 · Scale 2, in force from 26 Feb 2026)