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$28,184
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,060
−HK$891/mo
Today · 4.125%
HK$29,951
baseline
▲ 0.50% · 4.625%
HK$31,774
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,902/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,354
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,195
−HK$853/mo
Today · 4.125%
HK$33,048
baseline
▲ 0.50% · 4.625%
HK$34,790
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,096/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,821
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,873
−HK$1,068/mo
Today · 4.125%
HK$35,941
baseline
▲ 0.50% · 4.625%
HK$38,128
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,882/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,625
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,634
−HK$1,024/mo
Today · 4.125%
HK$39,658
baseline
▲ 0.50% · 4.625%
HK$41,748
+HK$2,090/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,316/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,457
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,685
−HK$1,247/mo
Today · 4.125%
HK$41,932
baseline
▲ 0.50% · 4.625%
HK$44,483
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,864/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,896
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,073
−HK$1,194/mo
Today · 4.125%
HK$46,267
baseline
▲ 0.50% · 4.625%
HK$48,706
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,534/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,731
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$52,309
−HK$1,603/mo
Today · 4.125%
HK$53,912
baseline
▲ 0.50% · 4.625%
HK$57,193
+HK$3,281/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,824/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,438
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,951
−HK$1,536/mo
Today · 4.125%
HK$59,487
baseline
▲ 0.50% · 4.625%
HK$62,622
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,974/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,497 · Scale 2, in force from 26 Feb 2026)