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$29,102
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,008
−HK$919/mo
Today · 4.125%
HK$30,927
baseline
▲ 0.50% · 4.625%
HK$32,809
+HK$1,882/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$61,854/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,376
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,245
−HK$880/mo
Today · 4.125%
HK$34,125
baseline
▲ 0.50% · 4.625%
HK$35,924
+HK$1,799/mo
Deposit HK$6.38M · loan HK$6.38M · min. income ≈ HK$68,250/mo (50% DSR)
Upfront cash ≈ HK$6.86M (deposit + AVD stamp duty HK$478,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,923
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,009
−HK$1,104/mo
Today · 4.125%
HK$37,113
baseline
▲ 0.50% · 4.625%
HK$39,371
+HK$2,258/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$74,226/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,851
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,893
−HK$1,058/mo
Today · 4.125%
HK$40,951
baseline
▲ 0.50% · 4.625%
HK$43,109
+HK$2,158/mo
Deposit HK$5.11M · loan HK$7.66M · min. income ≈ HK$81,902/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,743
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,011
−HK$1,287/mo
Today · 4.125%
HK$43,298
baseline
▲ 0.50% · 4.625%
HK$45,933
+HK$2,635/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$86,596/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,327
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,542
−HK$1,234/mo
Today · 4.125%
HK$47,776
baseline
▲ 0.50% · 4.625%
HK$50,294
+HK$2,518/mo
Deposit HK$3.83M · loan HK$8.93M · min. income ≈ HK$95,552/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$478,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,384
−HK$3,285/mo
▼ 0.25% · 3.875%
HK$54,014
−HK$1,655/mo
Today · 4.125%
HK$55,669
baseline
▲ 0.50% · 4.625%
HK$59,057
+HK$3,388/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$111,338/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,277
−HK$3,149/mo
▼ 0.25% · 3.875%
HK$59,840
−HK$1,586/mo
Today · 4.125%
HK$61,426
baseline
▲ 0.50% · 4.625%
HK$64,664
+HK$3,238/mo
Deposit HK$1.28M · loan HK$11.49M · min. income ≈ HK$122,852/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,606 · Scale 2, in force from 26 Feb 2026)