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$28,993
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,894
−HK$917/mo
Today · 4.125%
HK$30,811
baseline
▲ 0.50% · 4.625%
HK$32,685
+HK$1,874/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$61,622/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,254
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,119
−HK$878/mo
Today · 4.125%
HK$33,997
baseline
▲ 0.50% · 4.625%
HK$35,789
+HK$1,792/mo
Deposit HK$6.36M · loan HK$6.36M · min. income ≈ HK$67,994/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$476,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,791
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,873
−HK$1,100/mo
Today · 4.125%
HK$36,973
baseline
▲ 0.50% · 4.625%
HK$39,223
+HK$2,250/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$73,946/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,705
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,743
−HK$1,053/mo
Today · 4.125%
HK$40,796
baseline
▲ 0.50% · 4.625%
HK$42,946
+HK$2,150/mo
Deposit HK$5.09M · loan HK$7.63M · min. income ≈ HK$81,592/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$476,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,590
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,852
−HK$1,283/mo
Today · 4.125%
HK$43,135
baseline
▲ 0.50% · 4.625%
HK$45,760
+HK$2,625/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$86,270/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,156
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,367
−HK$1,228/mo
Today · 4.125%
HK$47,595
baseline
▲ 0.50% · 4.625%
HK$50,104
+HK$2,509/mo
Deposit HK$3.81M · loan HK$8.90M · min. income ≈ HK$95,190/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$476,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,187
−HK$3,272/mo
▼ 0.25% · 3.875%
HK$53,810
−HK$1,649/mo
Today · 4.125%
HK$55,459
baseline
▲ 0.50% · 4.625%
HK$58,834
+HK$3,375/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$110,918/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,057
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$59,614
−HK$1,580/mo
Today · 4.125%
HK$61,194
baseline
▲ 0.50% · 4.625%
HK$64,420
+HK$3,226/mo
Deposit HK$1.27M · loan HK$11.44M · min. income ≈ HK$122,388/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$476,800 · Scale 2, in force from 26 Feb 2026)