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$29,105
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,010
−HK$920/mo
Today · 4.125%
HK$30,930
baseline
▲ 0.50% · 4.625%
HK$32,812
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,860/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,379
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,247
−HK$881/mo
Today · 4.125%
HK$34,128
baseline
▲ 0.50% · 4.625%
HK$35,927
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,256/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,926
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,012
−HK$1,104/mo
Today · 4.125%
HK$37,116
baseline
▲ 0.50% · 4.625%
HK$39,374
+HK$2,258/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,232/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,854
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,896
−HK$1,058/mo
Today · 4.125%
HK$40,954
baseline
▲ 0.50% · 4.625%
HK$43,112
+HK$2,158/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,908/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,747
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,014
−HK$1,288/mo
Today · 4.125%
HK$43,302
baseline
▲ 0.50% · 4.625%
HK$45,937
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,604/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,330
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,546
−HK$1,233/mo
Today · 4.125%
HK$47,779
baseline
▲ 0.50% · 4.625%
HK$50,298
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,558/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,388
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,018
−HK$1,656/mo
Today · 4.125%
HK$55,674
baseline
▲ 0.50% · 4.625%
HK$59,061
+HK$3,387/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,348/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,282
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,845
−HK$1,585/mo
Today · 4.125%
HK$61,430
baseline
▲ 0.50% · 4.625%
HK$64,668
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,860/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,642 · Scale 2, in force from 26 Feb 2026)