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$29,088
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,993
−HK$919/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,793
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$881/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$35,906
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,906
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,991
−HK$1,104/mo
Today · 4.125%
HK$37,095
baseline
▲ 0.50% · 4.625%
HK$39,352
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,190/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,832
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,874
−HK$1,056/mo
Today · 4.125%
HK$40,930
baseline
▲ 0.50% · 4.625%
HK$43,088
+HK$2,158/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,860/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,723
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,990
−HK$1,287/mo
Today · 4.125%
HK$43,277
baseline
▲ 0.50% · 4.625%
HK$45,910
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,554/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,304
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,519
−HK$1,233/mo
Today · 4.125%
HK$47,752
baseline
▲ 0.50% · 4.625%
HK$50,269
+HK$2,517/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,504/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,359
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,987
−HK$1,655/mo
Today · 4.125%
HK$55,642
baseline
▲ 0.50% · 4.625%
HK$59,028
+HK$3,386/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,284/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,248
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,811
−HK$1,584/mo
Today · 4.125%
HK$61,395
baseline
▲ 0.50% · 4.625%
HK$64,632
+HK$3,237/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,790/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,369 · Scale 2, in force from 26 Feb 2026)