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$29,123
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,029
−HK$921/mo
Today · 4.125%
HK$30,950
baseline
▲ 0.50% · 4.625%
HK$32,833
+HK$1,883/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,900/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,400
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,269
−HK$881/mo
Today · 4.125%
HK$34,150
baseline
▲ 0.50% · 4.625%
HK$35,950
+HK$1,800/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,300/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,948
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,035
−HK$1,105/mo
Today · 4.125%
HK$37,140
baseline
▲ 0.50% · 4.625%
HK$39,400
+HK$2,260/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,280/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,879
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,922
−HK$1,058/mo
Today · 4.125%
HK$40,980
baseline
▲ 0.50% · 4.625%
HK$43,140
+HK$2,160/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,960/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,773
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,041
−HK$1,289/mo
Today · 4.125%
HK$43,330
baseline
▲ 0.50% · 4.625%
HK$45,966
+HK$2,636/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,660/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,359
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,576
−HK$1,234/mo
Today · 4.125%
HK$47,810
baseline
▲ 0.50% · 4.625%
HK$50,330
+HK$2,520/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,620/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,422
−HK$3,288/mo
▼ 0.25% · 3.875%
HK$54,053
−HK$1,657/mo
Today · 4.125%
HK$55,710
baseline
▲ 0.50% · 4.625%
HK$59,099
+HK$3,389/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,420/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,319
−HK$3,151/mo
▼ 0.25% · 3.875%
HK$59,883
−HK$1,587/mo
Today · 4.125%
HK$61,470
baseline
▲ 0.50% · 4.625%
HK$64,710
+HK$3,240/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,940/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,951 · Scale 2, in force from 26 Feb 2026)