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$29,106
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,011
−HK$920/mo
Today · 4.125%
HK$30,931
baseline
▲ 0.50% · 4.625%
HK$32,813
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,862/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,380
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,248
−HK$881/mo
Today · 4.125%
HK$34,129
baseline
▲ 0.50% · 4.625%
HK$35,928
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,258/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,927
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,013
−HK$1,104/mo
Today · 4.125%
HK$37,117
baseline
▲ 0.50% · 4.625%
HK$39,376
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,234/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,856
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,898
−HK$1,057/mo
Today · 4.125%
HK$40,955
baseline
▲ 0.50% · 4.625%
HK$43,114
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,910/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,748
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,016
−HK$1,287/mo
Today · 4.125%
HK$43,303
baseline
▲ 0.50% · 4.625%
HK$45,938
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,606/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,332
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,548
−HK$1,233/mo
Today · 4.125%
HK$47,781
baseline
▲ 0.50% · 4.625%
HK$50,300
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,562/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,391
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,020
−HK$1,656/mo
Today · 4.125%
HK$55,676
baseline
▲ 0.50% · 4.625%
HK$59,064
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,352/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,284
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,847
−HK$1,586/mo
Today · 4.125%
HK$61,433
baseline
▲ 0.50% · 4.625%
HK$64,671
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,866/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,662 · Scale 2, in force from 26 Feb 2026)