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$27,948
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,817
−HK$883/mo
Today · 4.125%
HK$29,700
baseline
▲ 0.50% · 4.625%
HK$31,507
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,400/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,091
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,925
−HK$846/mo
Today · 4.125%
HK$32,771
baseline
▲ 0.50% · 4.625%
HK$34,499
+HK$1,728/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,542/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,537
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,580
−HK$1,060/mo
Today · 4.125%
HK$35,640
baseline
▲ 0.50% · 4.625%
HK$37,809
+HK$2,169/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,280/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,310
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$38,310
−HK$1,016/mo
Today · 4.125%
HK$39,326
baseline
▲ 0.50% · 4.625%
HK$41,398
+HK$2,072/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,652/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,127
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,344
−HK$1,236/mo
Today · 4.125%
HK$41,580
baseline
▲ 0.50% · 4.625%
HK$44,110
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,160/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,528
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,695
−HK$1,185/mo
Today · 4.125%
HK$45,880
baseline
▲ 0.50% · 4.625%
HK$48,298
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,760/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,306
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,871
−HK$1,589/mo
Today · 4.125%
HK$53,460
baseline
▲ 0.50% · 4.625%
HK$56,713
+HK$3,253/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,920/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,965
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,466
−HK$1,522/mo
Today · 4.125%
HK$58,988
baseline
▲ 0.50% · 4.625%
HK$62,098
+HK$3,110/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,976/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,614 · Scale 2, in force from 26 Feb 2026)