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$29,100
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$30,005
−HK$919/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,848/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,373
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,241
−HK$881/mo
Today · 4.125%
HK$34,122
baseline
▲ 0.50% · 4.625%
HK$35,921
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,244/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,919
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,006
−HK$1,103/mo
Today · 4.125%
HK$37,109
baseline
▲ 0.50% · 4.625%
HK$39,367
+HK$2,258/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$74,218/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,847
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,889
−HK$1,057/mo
Today · 4.125%
HK$40,946
baseline
▲ 0.50% · 4.625%
HK$43,105
+HK$2,159/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$81,892/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,739
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,007
−HK$1,287/mo
Today · 4.125%
HK$43,294
baseline
▲ 0.50% · 4.625%
HK$45,928
+HK$2,634/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,588/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,322
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,538
−HK$1,233/mo
Today · 4.125%
HK$47,771
baseline
▲ 0.50% · 4.625%
HK$50,289
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,542/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,379
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,008
−HK$1,656/mo
Today · 4.125%
HK$55,664
baseline
▲ 0.50% · 4.625%
HK$59,051
+HK$3,387/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,328/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,271
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,834
−HK$1,585/mo
Today · 4.125%
HK$61,419
baseline
▲ 0.50% · 4.625%
HK$64,657
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,838/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,557 · Scale 2, in force from 26 Feb 2026)