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$28,164
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,040
−HK$890/mo
Today · 4.125%
HK$29,930
baseline
▲ 0.50% · 4.625%
HK$31,752
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,860/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$852/mo
Today · 4.125%
HK$33,025
baseline
▲ 0.50% · 4.625%
HK$34,766
+HK$1,741/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,050/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,797
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,848
−HK$1,069/mo
Today · 4.125%
HK$35,917
baseline
▲ 0.50% · 4.625%
HK$38,102
+HK$2,185/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,834/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,599
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,607
−HK$1,023/mo
Today · 4.125%
HK$39,630
baseline
▲ 0.50% · 4.625%
HK$41,719
+HK$2,089/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,260/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$463,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,430
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,657
−HK$1,246/mo
Today · 4.125%
HK$41,903
baseline
▲ 0.50% · 4.625%
HK$44,452
+HK$2,549/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,806/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,866
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$45,042
−HK$1,193/mo
Today · 4.125%
HK$46,235
baseline
▲ 0.50% · 4.625%
HK$48,673
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,470/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,696
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$52,273
−HK$1,602/mo
Today · 4.125%
HK$53,875
baseline
▲ 0.50% · 4.625%
HK$57,153
+HK$3,278/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,750/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,399
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$57,911
−HK$1,535/mo
Today · 4.125%
HK$59,446
baseline
▲ 0.50% · 4.625%
HK$62,579
+HK$3,133/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,892/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,178 · Scale 2, in force from 26 Feb 2026)