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$29,126
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,032
−HK$920/mo
Today · 4.125%
HK$30,952
baseline
▲ 0.50% · 4.625%
HK$32,836
+HK$1,884/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,904/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$478,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,402
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,271
−HK$882/mo
Today · 4.125%
HK$34,153
baseline
▲ 0.50% · 4.625%
HK$35,953
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,306/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$478,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,951
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,038
−HK$1,105/mo
Today · 4.125%
HK$37,143
baseline
▲ 0.50% · 4.625%
HK$39,403
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,286/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,883
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,926
−HK$1,058/mo
Today · 4.125%
HK$40,984
baseline
▲ 0.50% · 4.625%
HK$43,144
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,968/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,776
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,045
−HK$1,288/mo
Today · 4.125%
HK$43,333
baseline
▲ 0.50% · 4.625%
HK$45,970
+HK$2,637/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,666/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,363
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,580
−HK$1,234/mo
Today · 4.125%
HK$47,814
baseline
▲ 0.50% · 4.625%
HK$50,334
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,628/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,427
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,058
−HK$1,656/mo
Today · 4.125%
HK$55,714
baseline
▲ 0.50% · 4.625%
HK$59,104
+HK$3,390/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,428/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,324
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,888
−HK$1,587/mo
Today · 4.125%
HK$61,475
baseline
▲ 0.50% · 4.625%
HK$64,716
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,950/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,992 · Scale 2, in force from 26 Feb 2026)