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$29,117
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$921/mo
Today · 4.125%
HK$30,943
baseline
▲ 0.50% · 4.625%
HK$32,825
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,886/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,392
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,261
−HK$881/mo
Today · 4.125%
HK$34,142
baseline
▲ 0.50% · 4.625%
HK$35,942
+HK$1,800/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,284/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,940
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,027
−HK$1,104/mo
Today · 4.125%
HK$37,131
baseline
▲ 0.50% · 4.625%
HK$39,391
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,262/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,871
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,913
−HK$1,058/mo
Today · 4.125%
HK$40,971
baseline
▲ 0.50% · 4.625%
HK$43,130
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,942/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,763
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,031
−HK$1,289/mo
Today · 4.125%
HK$43,320
baseline
▲ 0.50% · 4.625%
HK$45,956
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,640/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,349
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,565
−HK$1,234/mo
Today · 4.125%
HK$47,799
baseline
▲ 0.50% · 4.625%
HK$50,319
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,598/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,410
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,040
−HK$1,657/mo
Today · 4.125%
HK$55,697
baseline
▲ 0.50% · 4.625%
HK$59,086
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,394/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,306
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,870
−HK$1,586/mo
Today · 4.125%
HK$61,456
baseline
▲ 0.50% · 4.625%
HK$64,695
+HK$3,239/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,912/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,841 · Scale 2, in force from 26 Feb 2026)