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$29,118
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,023
−HK$921/mo
Today · 4.125%
HK$30,944
baseline
▲ 0.50% · 4.625%
HK$32,827
+HK$1,883/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,888/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,393
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,262
−HK$881/mo
Today · 4.125%
HK$34,143
baseline
▲ 0.50% · 4.625%
HK$35,943
+HK$1,800/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,286/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,941
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,028
−HK$1,104/mo
Today · 4.125%
HK$37,132
baseline
▲ 0.50% · 4.625%
HK$39,392
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,264/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,872
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,914
−HK$1,058/mo
Today · 4.125%
HK$40,972
baseline
▲ 0.50% · 4.625%
HK$43,132
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,944/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,765
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,033
−HK$1,288/mo
Today · 4.125%
HK$43,321
baseline
▲ 0.50% · 4.625%
HK$45,957
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,642/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,351
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,567
−HK$1,234/mo
Today · 4.125%
HK$47,801
baseline
▲ 0.50% · 4.625%
HK$50,320
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,602/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,412
−HK$3,287/mo
▼ 0.25% · 3.875%
HK$54,042
−HK$1,657/mo
Today · 4.125%
HK$55,699
baseline
▲ 0.50% · 4.625%
HK$59,088
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,398/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,308
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,872
−HK$1,586/mo
Today · 4.125%
HK$61,458
baseline
▲ 0.50% · 4.625%
HK$64,698
+HK$3,240/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,916/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,857 · Scale 2, in force from 26 Feb 2026)