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$29,069
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,974
−HK$918/mo
Today · 4.125%
HK$30,892
baseline
▲ 0.50% · 4.625%
HK$32,772
+HK$1,880/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,784/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,340
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,207
−HK$880/mo
Today · 4.125%
HK$34,087
baseline
▲ 0.50% · 4.625%
HK$35,883
+HK$1,796/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,174/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,883
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,968
−HK$1,103/mo
Today · 4.125%
HK$37,071
baseline
▲ 0.50% · 4.625%
HK$39,327
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,142/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,807
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,848
−HK$1,056/mo
Today · 4.125%
HK$40,904
baseline
▲ 0.50% · 4.625%
HK$43,060
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,808/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,697
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,963
−HK$1,286/mo
Today · 4.125%
HK$43,249
baseline
▲ 0.50% · 4.625%
HK$45,881
+HK$2,632/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,498/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,275
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,490
−HK$1,231/mo
Today · 4.125%
HK$47,721
baseline
▲ 0.50% · 4.625%
HK$50,237
+HK$2,516/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,442/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,325
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,953
−HK$1,653/mo
Today · 4.125%
HK$55,606
baseline
▲ 0.50% · 4.625%
HK$58,990
+HK$3,384/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,212/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,211
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$59,772
−HK$1,584/mo
Today · 4.125%
HK$61,356
baseline
▲ 0.50% · 4.625%
HK$64,590
+HK$3,234/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,712/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,063 · Scale 2, in force from 26 Feb 2026)