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$29,071
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,975
−HK$919/mo
Today · 4.125%
HK$30,894
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,880/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,788/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,341
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,208
−HK$880/mo
Today · 4.125%
HK$34,088
baseline
▲ 0.50% · 4.625%
HK$35,885
+HK$1,797/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,176/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,885
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,970
−HK$1,102/mo
Today · 4.125%
HK$37,072
baseline
▲ 0.50% · 4.625%
HK$39,328
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,144/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,809
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,850
−HK$1,056/mo
Today · 4.125%
HK$40,906
baseline
▲ 0.50% · 4.625%
HK$43,062
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,812/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,699
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,965
−HK$1,286/mo
Today · 4.125%
HK$43,251
baseline
▲ 0.50% · 4.625%
HK$45,883
+HK$2,632/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,502/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,277
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,492
−HK$1,231/mo
Today · 4.125%
HK$47,723
baseline
▲ 0.50% · 4.625%
HK$50,239
+HK$2,516/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,446/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,327
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,955
−HK$1,654/mo
Today · 4.125%
HK$55,609
baseline
▲ 0.50% · 4.625%
HK$58,992
+HK$3,383/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,218/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,214
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,775
−HK$1,584/mo
Today · 4.125%
HK$61,359
baseline
▲ 0.50% · 4.625%
HK$64,593
+HK$3,234/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,718/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,084 · Scale 2, in force from 26 Feb 2026)