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$29,075
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,979
−HK$919/mo
Today · 4.125%
HK$30,898
baseline
▲ 0.50% · 4.625%
HK$32,778
+HK$1,880/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,796/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,346
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,213
−HK$880/mo
Today · 4.125%
HK$34,093
baseline
▲ 0.50% · 4.625%
HK$35,890
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,186/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,890
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,975
−HK$1,103/mo
Today · 4.125%
HK$37,078
baseline
▲ 0.50% · 4.625%
HK$39,334
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,156/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,815
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,856
−HK$1,056/mo
Today · 4.125%
HK$40,912
baseline
▲ 0.50% · 4.625%
HK$43,068
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,824/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,705
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,971
−HK$1,287/mo
Today · 4.125%
HK$43,258
baseline
▲ 0.50% · 4.625%
HK$45,890
+HK$2,632/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,516/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,284
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,499
−HK$1,232/mo
Today · 4.125%
HK$47,731
baseline
▲ 0.50% · 4.625%
HK$50,247
+HK$2,516/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,462/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,335
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,963
−HK$1,654/mo
Today · 4.125%
HK$55,617
baseline
▲ 0.50% · 4.625%
HK$59,001
+HK$3,384/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,234/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,222
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,784
−HK$1,584/mo
Today · 4.125%
HK$61,368
baseline
▲ 0.50% · 4.625%
HK$64,603
+HK$3,235/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,736/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,155 · Scale 2, in force from 26 Feb 2026)