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$29,130
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,036
−HK$920/mo
Today · 4.125%
HK$30,956
baseline
▲ 0.50% · 4.625%
HK$32,840
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,912/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,407
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,276
−HK$881/mo
Today · 4.125%
HK$34,157
baseline
▲ 0.50% · 4.625%
HK$35,958
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,314/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,956
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,043
−HK$1,105/mo
Today · 4.125%
HK$37,148
baseline
▲ 0.50% · 4.625%
HK$39,408
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,296/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,888
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,931
−HK$1,058/mo
Today · 4.125%
HK$40,989
baseline
▲ 0.50% · 4.625%
HK$43,149
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,978/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,782
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,050
−HK$1,289/mo
Today · 4.125%
HK$43,339
baseline
▲ 0.50% · 4.625%
HK$45,976
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,678/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,369
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,586
−HK$1,234/mo
Today · 4.125%
HK$47,820
baseline
▲ 0.50% · 4.625%
HK$50,341
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,640/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$479,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,434
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,065
−HK$1,657/mo
Today · 4.125%
HK$55,722
baseline
▲ 0.50% · 4.625%
HK$59,112
+HK$3,390/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,444/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,332
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,896
−HK$1,587/mo
Today · 4.125%
HK$61,483
baseline
▲ 0.50% · 4.625%
HK$64,724
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,966/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,054 · Scale 2, in force from 26 Feb 2026)