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$29,109
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,014
−HK$920/mo
Today · 4.125%
HK$30,934
baseline
▲ 0.50% · 4.625%
HK$32,816
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,868/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,383
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,252
−HK$881/mo
Today · 4.125%
HK$34,133
baseline
▲ 0.50% · 4.625%
HK$35,932
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,266/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,930
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,017
−HK$1,104/mo
Today · 4.125%
HK$37,121
baseline
▲ 0.50% · 4.625%
HK$39,380
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,242/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,860
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,902
−HK$1,057/mo
Today · 4.125%
HK$40,959
baseline
▲ 0.50% · 4.625%
HK$43,118
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,918/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,752
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,020
−HK$1,288/mo
Today · 4.125%
HK$43,308
baseline
▲ 0.50% · 4.625%
HK$45,943
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,616/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,336
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,552
−HK$1,234/mo
Today · 4.125%
HK$47,786
baseline
▲ 0.50% · 4.625%
HK$50,305
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,572/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,396
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,025
−HK$1,656/mo
Today · 4.125%
HK$55,681
baseline
▲ 0.50% · 4.625%
HK$59,069
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,362/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,290
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,853
−HK$1,586/mo
Today · 4.125%
HK$61,439
baseline
▲ 0.50% · 4.625%
HK$64,677
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,878/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,708 · Scale 2, in force from 26 Feb 2026)