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$29,107
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,012
−HK$920/mo
Today · 4.125%
HK$30,932
baseline
▲ 0.50% · 4.625%
HK$32,814
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,864/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,381
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,250
−HK$881/mo
Today · 4.125%
HK$34,131
baseline
▲ 0.50% · 4.625%
HK$35,930
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,262/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,928
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,015
−HK$1,104/mo
Today · 4.125%
HK$37,119
baseline
▲ 0.50% · 4.625%
HK$39,377
+HK$2,258/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,238/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,857
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,900
−HK$1,057/mo
Today · 4.125%
HK$40,957
baseline
▲ 0.50% · 4.625%
HK$43,116
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,914/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,750
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,017
−HK$1,288/mo
Today · 4.125%
HK$43,305
baseline
▲ 0.50% · 4.625%
HK$45,940
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,610/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,334
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,234/mo
Today · 4.125%
HK$47,783
baseline
▲ 0.50% · 4.625%
HK$50,302
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,566/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,392
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,022
−HK$1,656/mo
Today · 4.125%
HK$55,678
baseline
▲ 0.50% · 4.625%
HK$59,066
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,356/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,286
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,849
−HK$1,586/mo
Today · 4.125%
HK$61,435
baseline
▲ 0.50% · 4.625%
HK$64,673
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,870/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,679 · Scale 2, in force from 26 Feb 2026)