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$29,086
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$919/mo
Today · 4.125%
HK$30,910
baseline
▲ 0.50% · 4.625%
HK$32,791
+HK$1,881/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,820/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,358
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,226
−HK$880/mo
Today · 4.125%
HK$34,106
baseline
▲ 0.50% · 4.625%
HK$35,904
+HK$1,798/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,212/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,903
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,989
−HK$1,103/mo
Today · 4.125%
HK$37,092
baseline
▲ 0.50% · 4.625%
HK$39,349
+HK$2,257/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,184/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,829
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,871
−HK$1,056/mo
Today · 4.125%
HK$40,927
baseline
▲ 0.50% · 4.625%
HK$43,085
+HK$2,158/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,854/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,720
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,987
−HK$1,287/mo
Today · 4.125%
HK$43,274
baseline
▲ 0.50% · 4.625%
HK$45,907
+HK$2,633/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,548/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,301
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,516
−HK$1,233/mo
Today · 4.125%
HK$47,749
baseline
▲ 0.50% · 4.625%
HK$50,265
+HK$2,516/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,498/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,355
−HK$3,283/mo
▼ 0.25% · 3.875%
HK$53,983
−HK$1,655/mo
Today · 4.125%
HK$55,638
baseline
▲ 0.50% · 4.625%
HK$59,023
+HK$3,385/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,276/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,244
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$59,806
−HK$1,585/mo
Today · 4.125%
HK$61,391
baseline
▲ 0.50% · 4.625%
HK$64,627
+HK$3,236/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,782/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,335 · Scale 2, in force from 26 Feb 2026)