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$29,119
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,025
−HK$921/mo
Today · 4.125%
HK$30,946
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,883/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,892/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,395
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$881/mo
Today · 4.125%
HK$34,145
baseline
▲ 0.50% · 4.625%
HK$35,945
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,290/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,943
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,030
−HK$1,105/mo
Today · 4.125%
HK$37,135
baseline
▲ 0.50% · 4.625%
HK$39,394
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,270/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,874
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,917
−HK$1,057/mo
Today · 4.125%
HK$40,974
baseline
▲ 0.50% · 4.625%
HK$43,134
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,948/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,767
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,035
−HK$1,289/mo
Today · 4.125%
HK$43,324
baseline
▲ 0.50% · 4.625%
HK$45,960
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,648/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,353
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,570
−HK$1,234/mo
Today · 4.125%
HK$47,804
baseline
▲ 0.50% · 4.625%
HK$50,323
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,608/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,415
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,046
−HK$1,656/mo
Today · 4.125%
HK$55,702
baseline
▲ 0.50% · 4.625%
HK$59,091
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,404/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,311
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,875
−HK$1,587/mo
Today · 4.125%
HK$61,462
baseline
▲ 0.50% · 4.625%
HK$64,701
+HK$3,239/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,924/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,886 · Scale 2, in force from 26 Feb 2026)