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$29,125
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$921/mo
Today · 4.125%
HK$30,952
baseline
▲ 0.50% · 4.625%
HK$32,835
+HK$1,883/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$478,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,402
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,271
−HK$881/mo
Today · 4.125%
HK$34,152
baseline
▲ 0.50% · 4.625%
HK$35,953
+HK$1,801/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,304/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$478,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,950
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,038
−HK$1,104/mo
Today · 4.125%
HK$37,142
baseline
▲ 0.50% · 4.625%
HK$39,402
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,284/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,882
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,925
−HK$1,058/mo
Today · 4.125%
HK$40,983
baseline
▲ 0.50% · 4.625%
HK$43,143
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,966/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,776
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,044
−HK$1,289/mo
Today · 4.125%
HK$43,333
baseline
▲ 0.50% · 4.625%
HK$45,969
+HK$2,636/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$478,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,362
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,579
−HK$1,234/mo
Today · 4.125%
HK$47,813
baseline
▲ 0.50% · 4.625%
HK$50,334
+HK$2,521/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,626/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,426
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,056
−HK$1,657/mo
Today · 4.125%
HK$55,713
baseline
▲ 0.50% · 4.625%
HK$59,103
+HK$3,390/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$111,426/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,323
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,887
−HK$1,587/mo
Today · 4.125%
HK$61,474
baseline
▲ 0.50% · 4.625%
HK$64,715
+HK$3,241/mo
Deposit HK$1.28M · loan HK$11.50M · min. income ≈ HK$122,948/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,983 · Scale 2, in force from 26 Feb 2026)