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$29,161
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,068
−HK$921/mo
Today · 4.125%
HK$30,989
baseline
▲ 0.50% · 4.625%
HK$32,875
+HK$1,886/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$61,978/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,441
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,311
−HK$883/mo
Today · 4.125%
HK$34,194
baseline
▲ 0.50% · 4.625%
HK$35,996
+HK$1,802/mo
Deposit HK$6.39M · loan HK$6.39M · min. income ≈ HK$68,388/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$479,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,993
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$36,081
−HK$1,106/mo
Today · 4.125%
HK$37,187
baseline
▲ 0.50% · 4.625%
HK$39,450
+HK$2,263/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$74,374/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,929
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$39,973
−HK$1,059/mo
Today · 4.125%
HK$41,032
baseline
▲ 0.50% · 4.625%
HK$43,195
+HK$2,163/mo
Deposit HK$5.12M · loan HK$7.67M · min. income ≈ HK$82,064/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$479,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,825
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,095
−HK$1,290/mo
Today · 4.125%
HK$43,385
baseline
▲ 0.50% · 4.625%
HK$46,025
+HK$2,640/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$86,770/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,417
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,635
−HK$1,236/mo
Today · 4.125%
HK$47,871
baseline
▲ 0.50% · 4.625%
HK$50,395
+HK$2,524/mo
Deposit HK$3.84M · loan HK$8.95M · min. income ≈ HK$95,742/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$479,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,489
−HK$3,292/mo
▼ 0.25% · 3.875%
HK$54,122
−HK$1,659/mo
Today · 4.125%
HK$55,781
baseline
▲ 0.50% · 4.625%
HK$59,175
+HK$3,394/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$111,562/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,394
−HK$3,155/mo
▼ 0.25% · 3.875%
HK$59,960
−HK$1,589/mo
Today · 4.125%
HK$61,549
baseline
▲ 0.50% · 4.625%
HK$64,793
+HK$3,244/mo
Deposit HK$1.28M · loan HK$11.51M · min. income ≈ HK$123,098/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$479,564 · Scale 2, in force from 26 Feb 2026)