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$29,084
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,989
−HK$919/mo
Today · 4.125%
HK$30,908
baseline
▲ 0.50% · 4.625%
HK$32,789
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,816/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,356
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,223
−HK$881/mo
Today · 4.125%
HK$34,104
baseline
▲ 0.50% · 4.625%
HK$35,901
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,208/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,901
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,986
−HK$1,103/mo
Today · 4.125%
HK$37,089
baseline
▲ 0.50% · 4.625%
HK$39,346
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,178/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,827
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,868
−HK$1,057/mo
Today · 4.125%
HK$40,925
baseline
▲ 0.50% · 4.625%
HK$43,082
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,850/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,718
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,984
−HK$1,287/mo
Today · 4.125%
HK$43,271
baseline
▲ 0.50% · 4.625%
HK$45,904
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,542/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,298
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,513
−HK$1,232/mo
Today · 4.125%
HK$47,745
baseline
▲ 0.50% · 4.625%
HK$50,262
+HK$2,517/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,490/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,351
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,980
−HK$1,654/mo
Today · 4.125%
HK$55,634
baseline
▲ 0.50% · 4.625%
HK$59,019
+HK$3,385/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,268/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,240
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,802
−HK$1,585/mo
Today · 4.125%
HK$61,387
baseline
▲ 0.50% · 4.625%
HK$64,623
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,774/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,303 · Scale 2, in force from 26 Feb 2026)