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$28,210
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,087
−HK$892/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,803
+HK$1,824/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,225
−HK$853/mo
Today · 4.125%
HK$33,078
baseline
▲ 0.50% · 4.625%
HK$34,822
+HK$1,744/mo
Deposit HK$6.19M · loan HK$6.19M · min. income ≈ HK$66,156/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,851
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,904
−HK$1,070/mo
Today · 4.125%
HK$35,974
baseline
▲ 0.50% · 4.625%
HK$38,163
+HK$2,189/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,948/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,659
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,669
−HK$1,025/mo
Today · 4.125%
HK$39,694
baseline
▲ 0.50% · 4.625%
HK$41,786
+HK$2,092/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,388/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,493
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,722
−HK$1,248/mo
Today · 4.125%
HK$41,970
baseline
▲ 0.50% · 4.625%
HK$44,524
+HK$2,554/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,940/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,936
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,114
−HK$1,196/mo
Today · 4.125%
HK$46,310
baseline
▲ 0.50% · 4.625%
HK$48,751
+HK$2,441/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,620/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$463,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,777
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$52,357
−HK$1,604/mo
Today · 4.125%
HK$53,961
baseline
▲ 0.50% · 4.625%
HK$57,245
+HK$3,284/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,922/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,489
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$58,004
−HK$1,537/mo
Today · 4.125%
HK$59,541
baseline
▲ 0.50% · 4.625%
HK$62,680
+HK$3,139/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,082/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,922 · Scale 2, in force from 26 Feb 2026)