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$28,062
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$28,935
−HK$887/mo
Today · 4.125%
HK$29,822
baseline
▲ 0.50% · 4.625%
HK$31,637
+HK$1,815/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$59,644/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,219
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$32,056
−HK$850/mo
Today · 4.125%
HK$32,906
baseline
▲ 0.50% · 4.625%
HK$34,640
+HK$1,734/mo
Deposit HK$6.15M · loan HK$6.15M · min. income ≈ HK$65,812/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$461,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,675
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,722
−HK$1,064/mo
Today · 4.125%
HK$35,786
baseline
▲ 0.50% · 4.625%
HK$37,964
+HK$2,178/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$71,572/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,463
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,019/mo
Today · 4.125%
HK$39,487
baseline
▲ 0.50% · 4.625%
HK$41,568
+HK$2,081/mo
Deposit HK$4.92M · loan HK$7.38M · min. income ≈ HK$78,974/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$461,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,287
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$40,509
−HK$1,242/mo
Today · 4.125%
HK$41,751
baseline
▲ 0.50% · 4.625%
HK$44,291
+HK$2,540/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$83,502/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,707
−HK$2,361/mo
▼ 0.25% · 3.875%
HK$44,879
−HK$1,189/mo
Today · 4.125%
HK$46,068
baseline
▲ 0.50% · 4.625%
HK$48,496
+HK$2,428/mo
Deposit HK$3.69M · loan HK$8.61M · min. income ≈ HK$92,136/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$461,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,512
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$52,083
−HK$1,597/mo
Today · 4.125%
HK$53,680
baseline
▲ 0.50% · 4.625%
HK$56,946
+HK$3,266/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$107,360/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,194
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$57,701
−HK$1,529/mo
Today · 4.125%
HK$59,230
baseline
▲ 0.50% · 4.625%
HK$62,352
+HK$3,122/mo
Deposit HK$1.23M · loan HK$11.08M · min. income ≈ HK$118,460/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$461,500 · Scale 2, in force from 26 Feb 2026)