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$28,181
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,058
−HK$890/mo
Today · 4.125%
HK$29,948
baseline
▲ 0.50% · 4.625%
HK$31,770
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,896/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,351
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,192
−HK$853/mo
Today · 4.125%
HK$33,045
baseline
▲ 0.50% · 4.625%
HK$34,787
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,090/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,817
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,869
−HK$1,069/mo
Today · 4.125%
HK$35,938
baseline
▲ 0.50% · 4.625%
HK$38,125
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,876/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,621
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,630
−HK$1,024/mo
Today · 4.125%
HK$39,654
baseline
▲ 0.50% · 4.625%
HK$41,744
+HK$2,090/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,308/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,453
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,681
−HK$1,246/mo
Today · 4.125%
HK$41,927
baseline
▲ 0.50% · 4.625%
HK$44,479
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,854/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,892
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,069
−HK$1,194/mo
Today · 4.125%
HK$46,263
baseline
▲ 0.50% · 4.625%
HK$48,701
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,526/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,726
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,304
−HK$1,603/mo
Today · 4.125%
HK$53,907
baseline
▲ 0.50% · 4.625%
HK$57,187
+HK$3,280/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,814/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,432
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,945
−HK$1,536/mo
Today · 4.125%
HK$59,481
baseline
▲ 0.50% · 4.625%
HK$62,616
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,962/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,452 · Scale 2, in force from 26 Feb 2026)