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$29,104
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,009
−HK$920/mo
Today · 4.125%
HK$30,929
baseline
▲ 0.50% · 4.625%
HK$32,811
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,858/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,378
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,246
−HK$881/mo
Today · 4.125%
HK$34,127
baseline
▲ 0.50% · 4.625%
HK$35,926
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,254/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,925
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,011
−HK$1,104/mo
Today · 4.125%
HK$37,115
baseline
▲ 0.50% · 4.625%
HK$39,373
+HK$2,258/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,230/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,853
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,895
−HK$1,057/mo
Today · 4.125%
HK$40,952
baseline
▲ 0.50% · 4.625%
HK$43,111
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,904/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,745
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,013
−HK$1,287/mo
Today · 4.125%
HK$43,300
baseline
▲ 0.50% · 4.625%
HK$45,935
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,600/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,329
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,544
−HK$1,234/mo
Today · 4.125%
HK$47,778
baseline
▲ 0.50% · 4.625%
HK$50,296
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,556/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,387
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,016
−HK$1,656/mo
Today · 4.125%
HK$55,672
baseline
▲ 0.50% · 4.625%
HK$59,059
+HK$3,387/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,344/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,280
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,843
−HK$1,585/mo
Today · 4.125%
HK$61,428
baseline
▲ 0.50% · 4.625%
HK$64,666
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,856/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,627 · Scale 2, in force from 26 Feb 2026)