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$29,099
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,004
−HK$920/mo
Today · 4.125%
HK$30,924
baseline
▲ 0.50% · 4.625%
HK$32,805
+HK$1,881/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$478,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,372
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,241
−HK$880/mo
Today · 4.125%
HK$34,121
baseline
▲ 0.50% · 4.625%
HK$35,920
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,242/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,919
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,005
−HK$1,104/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$478,549 · 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$43,104
+HK$2,158/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$478,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,739
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,006
−HK$1,287/mo
Today · 4.125%
HK$43,293
baseline
▲ 0.50% · 4.625%
HK$45,928
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,586/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,321
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,537
−HK$1,233/mo
Today · 4.125%
HK$47,770
baseline
▲ 0.50% · 4.625%
HK$50,288
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,540/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,378
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,008
−HK$1,655/mo
Today · 4.125%
HK$55,663
baseline
▲ 0.50% · 4.625%
HK$59,050
+HK$3,387/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,326/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,270
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,833
−HK$1,585/mo
Today · 4.125%
HK$61,418
baseline
▲ 0.50% · 4.625%
HK$64,656
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,836/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,549 · Scale 2, in force from 26 Feb 2026)