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$29,122
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,028
−HK$920/mo
Today · 4.125%
HK$30,948
baseline
▲ 0.50% · 4.625%
HK$32,831
+HK$1,883/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,896/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,398
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,267
−HK$881/mo
Today · 4.125%
HK$34,148
baseline
▲ 0.50% · 4.625%
HK$35,948
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,296/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,946
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,033
−HK$1,105/mo
Today · 4.125%
HK$37,138
baseline
▲ 0.50% · 4.625%
HK$39,397
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,276/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,877
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,920
−HK$1,058/mo
Today · 4.125%
HK$40,978
baseline
▲ 0.50% · 4.625%
HK$43,138
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,956/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,770
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,039
−HK$1,288/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,964
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,357
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,573
−HK$1,234/mo
Today · 4.125%
HK$47,807
baseline
▲ 0.50% · 4.625%
HK$50,327
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,614/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,419
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,050
−HK$1,656/mo
Today · 4.125%
HK$55,706
baseline
▲ 0.50% · 4.625%
HK$59,096
+HK$3,390/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,412/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,316
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,880
−HK$1,586/mo
Today · 4.125%
HK$61,466
baseline
▲ 0.50% · 4.625%
HK$64,706
+HK$3,240/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,932/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,923 · Scale 2, in force from 26 Feb 2026)