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$29,101
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$30,006
−HK$919/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$478,575 · 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$35,922
+HK$1,799/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$478,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,921
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,007
−HK$1,104/mo
Today · 4.125%
HK$37,111
baseline
▲ 0.50% · 4.625%
HK$39,369
+HK$2,258/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$74,222/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,849
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,891
−HK$1,057/mo
Today · 4.125%
HK$40,948
baseline
▲ 0.50% · 4.625%
HK$43,106
+HK$2,158/mo
Deposit HK$5.10M · loan HK$7.66M · min. income ≈ HK$81,896/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,741
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,008
−HK$1,288/mo
Today · 4.125%
HK$43,296
baseline
▲ 0.50% · 4.625%
HK$45,930
+HK$2,634/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,592/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,324
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,539
−HK$1,234/mo
Today · 4.125%
HK$47,773
baseline
▲ 0.50% · 4.625%
HK$50,291
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,546/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,381
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,010
−HK$1,656/mo
Today · 4.125%
HK$55,666
baseline
▲ 0.50% · 4.625%
HK$59,053
+HK$3,387/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,332/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,273
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,836
−HK$1,586/mo
Today · 4.125%
HK$61,422
baseline
▲ 0.50% · 4.625%
HK$64,659
+HK$3,237/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,844/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,575 · Scale 2, in force from 26 Feb 2026)