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$478,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,381
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,249
−HK$881/mo
Today · 4.125%
HK$34,130
baseline
▲ 0.50% · 4.625%
HK$35,929
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,260/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,928
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,015
−HK$1,103/mo
Today · 4.125%
HK$37,118
baseline
▲ 0.50% · 4.625%
HK$39,377
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,236/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,857
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,899
−HK$1,057/mo
Today · 4.125%
HK$40,956
baseline
▲ 0.50% · 4.625%
HK$43,115
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,912/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,749
−HK$2,556/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$478,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,333
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,234/mo
Today · 4.125%
HK$47,783
baseline
▲ 0.50% · 4.625%
HK$50,301
+HK$2,518/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$478,675 · 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$59,065
+HK$3,387/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$478,675 · 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$478,675 · Scale 2, in force from 26 Feb 2026)