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$28,195
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$891/mo
Today · 4.125%
HK$29,963
baseline
▲ 0.50% · 4.625%
HK$31,787
+HK$1,824/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,926/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,367
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,208
−HK$854/mo
Today · 4.125%
HK$33,062
baseline
▲ 0.50% · 4.625%
HK$34,804
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,124/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$463,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,834
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,887
−HK$1,069/mo
Today · 4.125%
HK$35,956
baseline
▲ 0.50% · 4.625%
HK$38,144
+HK$2,188/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$71,912/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,640
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,650
−HK$1,024/mo
Today · 4.125%
HK$39,674
baseline
▲ 0.50% · 4.625%
HK$41,765
+HK$2,091/mo
Deposit HK$4.95M · loan HK$7.42M · min. income ≈ HK$79,348/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,473
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,701
−HK$1,248/mo
Today · 4.125%
HK$41,949
baseline
▲ 0.50% · 4.625%
HK$44,501
+HK$2,552/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,898/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,914
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,092
−HK$1,194/mo
Today · 4.125%
HK$46,286
baseline
▲ 0.50% · 4.625%
HK$48,726
+HK$2,440/mo
Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$92,572/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,752
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$52,330
−HK$1,604/mo
Today · 4.125%
HK$53,934
baseline
▲ 0.50% · 4.625%
HK$57,216
+HK$3,282/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$107,868/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,461
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$57,975
−HK$1,536/mo
Today · 4.125%
HK$59,511
baseline
▲ 0.50% · 4.625%
HK$62,648
+HK$3,137/mo
Deposit HK$1.24M · loan HK$11.13M · min. income ≈ HK$119,022/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,688 · Scale 2, in force from 26 Feb 2026)