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$29,073
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,977
−HK$919/mo
Today · 4.125%
HK$30,896
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,880/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,792/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,343
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,211
−HK$880/mo
Today · 4.125%
HK$34,091
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$1,797/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,182/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,887
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,973
−HK$1,102/mo
Today · 4.125%
HK$37,075
baseline
▲ 0.50% · 4.625%
HK$39,331
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,150/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,812
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,853
−HK$1,056/mo
Today · 4.125%
HK$40,909
baseline
▲ 0.50% · 4.625%
HK$43,065
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,818/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,702
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,968
−HK$1,286/mo
Today · 4.125%
HK$43,254
baseline
▲ 0.50% · 4.625%
HK$45,886
+HK$2,632/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,508/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,281
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,495
−HK$1,232/mo
Today · 4.125%
HK$47,727
baseline
▲ 0.50% · 4.625%
HK$50,243
+HK$2,516/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,454/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,331
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,959
−HK$1,654/mo
Today · 4.125%
HK$55,613
baseline
▲ 0.50% · 4.625%
HK$58,997
+HK$3,384/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,226/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,218
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,779
−HK$1,584/mo
Today · 4.125%
HK$61,363
baseline
▲ 0.50% · 4.625%
HK$64,598
+HK$3,235/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,726/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,118 · Scale 2, in force from 26 Feb 2026)