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$29,111
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,017
−HK$920/mo
Today · 4.125%
HK$30,937
baseline
▲ 0.50% · 4.625%
HK$32,819
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,874/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,386
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,255
−HK$881/mo
Today · 4.125%
HK$34,136
baseline
▲ 0.50% · 4.625%
HK$35,935
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,272/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,934
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,020
−HK$1,104/mo
Today · 4.125%
HK$37,124
baseline
▲ 0.50% · 4.625%
HK$39,383
+HK$2,259/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,248/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,863
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,906
−HK$1,057/mo
Today · 4.125%
HK$40,963
baseline
▲ 0.50% · 4.625%
HK$43,122
+HK$2,159/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,926/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$478,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,756
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,024
−HK$1,288/mo
Today · 4.125%
HK$43,312
baseline
▲ 0.50% · 4.625%
HK$45,947
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$86,624/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,341
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,557
−HK$1,233/mo
Today · 4.125%
HK$47,790
baseline
▲ 0.50% · 4.625%
HK$50,309
+HK$2,519/mo
Deposit HK$3.83M · loan HK$8.94M · min. income ≈ HK$95,580/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,401
−HK$3,286/mo
▼ 0.25% · 3.875%
HK$54,031
−HK$1,656/mo
Today · 4.125%
HK$55,687
baseline
▲ 0.50% · 4.625%
HK$59,075
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,374/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,295
−HK$3,150/mo
▼ 0.25% · 3.875%
HK$59,859
−HK$1,586/mo
Today · 4.125%
HK$61,445
baseline
▲ 0.50% · 4.625%
HK$64,683
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,890/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$478,753 · Scale 2, in force from 26 Feb 2026)