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$29,067
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,971
−HK$919/mo
Today · 4.125%
HK$30,890
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,880/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$61,780/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,337
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,204
−HK$880/mo
Today · 4.125%
HK$34,084
baseline
▲ 0.50% · 4.625%
HK$35,881
+HK$1,797/mo
Deposit HK$6.37M · loan HK$6.37M · min. income ≈ HK$68,168/mo (50% DSR)
Upfront cash ≈ HK$6.85M (deposit + AVD stamp duty HK$478,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,881
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,966
−HK$1,102/mo
Today · 4.125%
HK$37,068
baseline
▲ 0.50% · 4.625%
HK$39,324
+HK$2,256/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$74,136/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,804
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,845
−HK$1,056/mo
Today · 4.125%
HK$40,901
baseline
▲ 0.50% · 4.625%
HK$43,057
+HK$2,156/mo
Deposit HK$5.10M · loan HK$7.65M · min. income ≈ HK$81,802/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$478,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,694
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,960
−HK$1,286/mo
Today · 4.125%
HK$43,246
baseline
▲ 0.50% · 4.625%
HK$45,877
+HK$2,631/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$86,492/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,272
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,486
−HK$1,232/mo
Today · 4.125%
HK$47,718
baseline
▲ 0.50% · 4.625%
HK$50,233
+HK$2,515/mo
Deposit HK$3.82M · loan HK$8.92M · min. income ≈ HK$95,436/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$478,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,321
−HK$3,281/mo
▼ 0.25% · 3.875%
HK$53,949
−HK$1,653/mo
Today · 4.125%
HK$55,602
baseline
▲ 0.50% · 4.625%
HK$58,985
+HK$3,383/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$111,204/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,207
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$59,768
−HK$1,583/mo
Today · 4.125%
HK$61,351
baseline
▲ 0.50% · 4.625%
HK$64,585
+HK$3,234/mo
Deposit HK$1.27M · loan HK$11.47M · min. income ≈ HK$122,702/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$478,026 · Scale 2, in force from 26 Feb 2026)