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$29,086
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$919/mo
Today · 4.125%
HK$30,910
baseline
▲ 0.50% · 4.625%
HK$32,791
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,820/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,358
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,226
−HK$881/mo
Today · 4.125%
HK$34,107
baseline
▲ 0.50% · 4.625%
HK$35,904
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,214/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,904
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,989
−HK$1,103/mo
Today · 4.125%
HK$37,092
baseline
▲ 0.50% · 4.625%
HK$39,349
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,184/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,830
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,871
−HK$1,057/mo
Today · 4.125%
HK$40,928
baseline
▲ 0.50% · 4.625%
HK$43,085
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,856/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,721
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,988
−HK$1,287/mo
Today · 4.125%
HK$43,275
baseline
▲ 0.50% · 4.625%
HK$45,908
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,550/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,302
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,517
−HK$1,232/mo
Today · 4.125%
HK$47,749
baseline
▲ 0.50% · 4.625%
HK$50,266
+HK$2,517/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,498/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,356
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,984
−HK$1,655/mo
Today · 4.125%
HK$55,639
baseline
▲ 0.50% · 4.625%
HK$59,024
+HK$3,385/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,278/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,245
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,807
−HK$1,585/mo
Today · 4.125%
HK$61,392
baseline
▲ 0.50% · 4.625%
HK$64,628
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,784/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,342 · Scale 2, in force from 26 Feb 2026)