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$29,081
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$919/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,785
+HK$1,880/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,353
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,220
−HK$881/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$35,898
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,898
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,983
−HK$1,103/mo
Today · 4.125%
HK$37,086
baseline
▲ 0.50% · 4.625%
HK$39,343
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,172/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,823
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,864
−HK$1,057/mo
Today · 4.125%
HK$40,921
baseline
▲ 0.50% · 4.625%
HK$43,078
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,842/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,714
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,980
−HK$1,287/mo
Today · 4.125%
HK$43,267
baseline
▲ 0.50% · 4.625%
HK$45,900
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,534/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,294
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,509
−HK$1,232/mo
Today · 4.125%
HK$47,741
baseline
▲ 0.50% · 4.625%
HK$50,257
+HK$2,516/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,482/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,346
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,975
−HK$1,654/mo
Today · 4.125%
HK$55,629
baseline
▲ 0.50% · 4.625%
HK$59,014
+HK$3,385/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,258/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,235
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,797
−HK$1,584/mo
Today · 4.125%
HK$61,381
baseline
▲ 0.50% · 4.625%
HK$64,617
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,762/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,258 · Scale 2, in force from 26 Feb 2026)