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$29,100
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,005
−HK$920/mo
Today · 4.125%
HK$30,925
baseline
▲ 0.50% · 4.625%
HK$32,807
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,850/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,374
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,242
−HK$881/mo
Today · 4.125%
HK$34,123
baseline
▲ 0.50% · 4.625%
HK$35,921
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,246/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,920
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,006
−HK$1,104/mo
Today · 4.125%
HK$37,110
baseline
▲ 0.50% · 4.625%
HK$39,368
+HK$2,258/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$74,220/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,848
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,890
−HK$1,057/mo
Today · 4.125%
HK$40,947
baseline
▲ 0.50% · 4.625%
HK$43,106
+HK$2,159/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$81,894/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,740
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,007
−HK$1,288/mo
Today · 4.125%
HK$43,295
baseline
▲ 0.50% · 4.625%
HK$45,929
+HK$2,634/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,590/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,323
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,539
−HK$1,233/mo
Today · 4.125%
HK$47,772
baseline
▲ 0.50% · 4.625%
HK$50,290
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,544/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,380
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,010
−HK$1,655/mo
Today · 4.125%
HK$55,665
baseline
▲ 0.50% · 4.625%
HK$59,052
+HK$3,387/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,330/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,273
−HK$3,148/mo
▼ 0.25% · 3.875%
HK$59,835
−HK$1,586/mo
Today · 4.125%
HK$61,421
baseline
▲ 0.50% · 4.625%
HK$64,658
+HK$3,237/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,842/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,567 · Scale 2, in force from 26 Feb 2026)