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$29,093
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,997
−HK$920/mo
Today · 4.125%
HK$30,917
baseline
▲ 0.50% · 4.625%
HK$32,798
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,834/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,365
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,233
−HK$881/mo
Today · 4.125%
HK$34,114
baseline
▲ 0.50% · 4.625%
HK$35,912
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,228/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,911
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,997
−HK$1,103/mo
Today · 4.125%
HK$37,100
baseline
▲ 0.50% · 4.625%
HK$39,358
+HK$2,258/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$74,200/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,838
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,880
−HK$1,056/mo
Today · 4.125%
HK$40,936
baseline
▲ 0.50% · 4.625%
HK$43,094
+HK$2,158/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$81,872/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,730
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,996
−HK$1,288/mo
Today · 4.125%
HK$43,284
baseline
▲ 0.50% · 4.625%
HK$45,917
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,568/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,311
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,526
−HK$1,233/mo
Today · 4.125%
HK$47,759
baseline
▲ 0.50% · 4.625%
HK$50,277
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,518/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,367
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,995
−HK$1,655/mo
Today · 4.125%
HK$55,650
baseline
▲ 0.50% · 4.625%
HK$59,037
+HK$3,387/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,300/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,257
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,820
−HK$1,585/mo
Today · 4.125%
HK$61,405
baseline
▲ 0.50% · 4.625%
HK$64,641
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,810/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,442 · Scale 2, in force from 26 Feb 2026)