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$29,089
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,994
−HK$919/mo
Today · 4.125%
HK$30,913
baseline
▲ 0.50% · 4.625%
HK$32,794
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,826/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,361
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,229
−HK$881/mo
Today · 4.125%
HK$34,110
baseline
▲ 0.50% · 4.625%
HK$35,908
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,220/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,907
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,993
−HK$1,103/mo
Today · 4.125%
HK$37,096
baseline
▲ 0.50% · 4.625%
HK$39,353
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,192/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,834
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,875
−HK$1,057/mo
Today · 4.125%
HK$40,932
baseline
▲ 0.50% · 4.625%
HK$43,089
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,864/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,725
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,992
−HK$1,287/mo
Today · 4.125%
HK$43,279
baseline
▲ 0.50% · 4.625%
HK$45,912
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,558/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,306
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,521
−HK$1,233/mo
Today · 4.125%
HK$47,754
baseline
▲ 0.50% · 4.625%
HK$50,271
+HK$2,517/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,508/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,360
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$53,989
−HK$1,655/mo
Today · 4.125%
HK$55,644
baseline
▲ 0.50% · 4.625%
HK$59,030
+HK$3,386/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,288/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,251
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,813
−HK$1,585/mo
Today · 4.125%
HK$61,398
baseline
▲ 0.50% · 4.625%
HK$64,634
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,796/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,387 · Scale 2, in force from 26 Feb 2026)