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$29,078
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,983
−HK$919/mo
Today · 4.125%
HK$30,902
baseline
▲ 0.50% · 4.625%
HK$32,782
+HK$1,880/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,804/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,349
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,217
−HK$880/mo
Today · 4.125%
HK$34,097
baseline
▲ 0.50% · 4.625%
HK$35,895
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,194/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,894
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,980
−HK$1,102/mo
Today · 4.125%
HK$37,082
baseline
▲ 0.50% · 4.625%
HK$39,339
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,164/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,819
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,861
−HK$1,056/mo
Today · 4.125%
HK$40,917
baseline
▲ 0.50% · 4.625%
HK$43,073
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,834/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,710
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,976
−HK$1,287/mo
Today · 4.125%
HK$43,263
baseline
▲ 0.50% · 4.625%
HK$45,895
+HK$2,632/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,526/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,289
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,504
−HK$1,232/mo
Today · 4.125%
HK$47,736
baseline
▲ 0.50% · 4.625%
HK$50,252
+HK$2,516/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,472/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,341
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,969
−HK$1,654/mo
Today · 4.125%
HK$55,623
baseline
▲ 0.50% · 4.625%
HK$59,008
+HK$3,385/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,246/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,229
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,791
−HK$1,584/mo
Today · 4.125%
HK$61,375
baseline
▲ 0.50% · 4.625%
HK$64,610
+HK$3,235/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,750/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,211 · Scale 2, in force from 26 Feb 2026)