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$29,115
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,020
−HK$920/mo
Today · 4.125%
HK$30,940
baseline
▲ 0.50% · 4.625%
HK$32,823
+HK$1,883/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,880/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,390
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,258
−HK$882/mo
Today · 4.125%
HK$34,140
baseline
▲ 0.50% · 4.625%
HK$35,939
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,280/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,938
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,024
−HK$1,104/mo
Today · 4.125%
HK$37,128
baseline
▲ 0.50% · 4.625%
HK$39,388
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,256/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,868
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,910
−HK$1,058/mo
Today · 4.125%
HK$40,968
baseline
▲ 0.50% · 4.625%
HK$43,127
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,936/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,761
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,028
−HK$1,289/mo
Today · 4.125%
HK$43,317
baseline
▲ 0.50% · 4.625%
HK$45,952
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,634/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,346
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,562
−HK$1,234/mo
Today · 4.125%
HK$47,796
baseline
▲ 0.50% · 4.625%
HK$50,315
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,592/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,406
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,037
−HK$1,656/mo
Today · 4.125%
HK$55,693
baseline
▲ 0.50% · 4.625%
HK$59,081
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,386/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,302
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,865
−HK$1,586/mo
Today · 4.125%
HK$61,451
baseline
▲ 0.50% · 4.625%
HK$64,691
+HK$3,240/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,902/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,806 · Scale 2, in force from 26 Feb 2026)