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$28,188
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,065
−HK$891/mo
Today · 4.125%
HK$29,956
baseline
▲ 0.50% · 4.625%
HK$31,779
+HK$1,823/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,912/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,359
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,200
−HK$853/mo
Today · 4.125%
HK$33,053
baseline
▲ 0.50% · 4.625%
HK$34,796
+HK$1,743/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,106/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,826
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,878
−HK$1,069/mo
Today · 4.125%
HK$35,947
baseline
▲ 0.50% · 4.625%
HK$38,134
+HK$2,187/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$71,894/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,631
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,640
−HK$1,024/mo
Today · 4.125%
HK$39,664
baseline
▲ 0.50% · 4.625%
HK$41,755
+HK$2,091/mo
Deposit HK$4.94M · loan HK$7.42M · min. income ≈ HK$79,328/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,464
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,691
−HK$1,247/mo
Today · 4.125%
HK$41,938
baseline
▲ 0.50% · 4.625%
HK$44,490
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,876/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,903
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,080
−HK$1,195/mo
Today · 4.125%
HK$46,275
baseline
▲ 0.50% · 4.625%
HK$48,714
+HK$2,439/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,550/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,739
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,317
−HK$1,604/mo
Today · 4.125%
HK$53,921
baseline
▲ 0.50% · 4.625%
HK$57,202
+HK$3,281/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,842/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,446
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,960
−HK$1,536/mo
Today · 4.125%
HK$59,496
baseline
▲ 0.50% · 4.625%
HK$62,632
+HK$3,136/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$118,992/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,570 · Scale 2, in force from 26 Feb 2026)