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$29,074
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,979
−HK$918/mo
Today · 4.125%
HK$30,897
baseline
▲ 0.50% · 4.625%
HK$32,777
+HK$1,880/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,794/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,345
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,212
−HK$880/mo
Today · 4.125%
HK$34,092
baseline
▲ 0.50% · 4.625%
HK$35,889
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,184/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,889
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,974
−HK$1,103/mo
Today · 4.125%
HK$37,077
baseline
▲ 0.50% · 4.625%
HK$39,333
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,154/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,814
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,855
−HK$1,056/mo
Today · 4.125%
HK$40,911
baseline
▲ 0.50% · 4.625%
HK$43,067
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,822/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,704
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,970
−HK$1,286/mo
Today · 4.125%
HK$43,256
baseline
▲ 0.50% · 4.625%
HK$45,888
+HK$2,632/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,512/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,283
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,497
−HK$1,232/mo
Today · 4.125%
HK$47,729
baseline
▲ 0.50% · 4.625%
HK$50,245
+HK$2,516/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,458/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,333
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,961
−HK$1,654/mo
Today · 4.125%
HK$55,615
baseline
▲ 0.50% · 4.625%
HK$58,999
+HK$3,384/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,230/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,220
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$59,782
−HK$1,584/mo
Today · 4.125%
HK$61,366
baseline
▲ 0.50% · 4.625%
HK$64,601
+HK$3,235/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,732/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,140 · Scale 2, in force from 26 Feb 2026)