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$29,073
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,978
−HK$918/mo
Today · 4.125%
HK$30,896
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,880/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,792/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,344
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,211
−HK$880/mo
Today · 4.125%
HK$34,091
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$1,797/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,182/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,888
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,973
−HK$1,103/mo
Today · 4.125%
HK$37,076
baseline
▲ 0.50% · 4.625%
HK$39,332
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,152/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,812
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,853
−HK$1,056/mo
Today · 4.125%
HK$40,909
baseline
▲ 0.50% · 4.625%
HK$43,066
+HK$2,157/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,818/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,703
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,969
−HK$1,286/mo
Today · 4.125%
HK$43,255
baseline
▲ 0.50% · 4.625%
HK$45,887
+HK$2,632/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,510/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,281
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,496
−HK$1,232/mo
Today · 4.125%
HK$47,728
baseline
▲ 0.50% · 4.625%
HK$50,243
+HK$2,515/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,456/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,332
−HK$3,282/mo
▼ 0.25% · 3.875%
HK$53,960
−HK$1,654/mo
Today · 4.125%
HK$55,614
baseline
▲ 0.50% · 4.625%
HK$58,998
+HK$3,384/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$111,228/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,219
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,780
−HK$1,584/mo
Today · 4.125%
HK$61,364
baseline
▲ 0.50% · 4.625%
HK$64,599
+HK$3,235/mo
Deposit HK$1.28M · loan HK$11.48M · min. income ≈ HK$122,728/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,126 · Scale 2, in force from 26 Feb 2026)