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$27,944
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$28,813
−HK$883/mo
Today · 4.125%
HK$29,696
baseline
▲ 0.50% · 4.625%
HK$31,503
+HK$1,807/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$59,392/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,087
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$31,921
−HK$846/mo
Today · 4.125%
HK$32,767
baseline
▲ 0.50% · 4.625%
HK$34,494
+HK$1,727/mo
Deposit HK$6.13M · loan HK$6.13M · min. income ≈ HK$65,534/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$459,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,533
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,576
−HK$1,060/mo
Today · 4.125%
HK$35,636
baseline
▲ 0.50% · 4.625%
HK$37,804
+HK$2,168/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$71,272/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,305
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,305
−HK$1,015/mo
Today · 4.125%
HK$39,320
baseline
▲ 0.50% · 4.625%
HK$41,393
+HK$2,073/mo
Deposit HK$4.90M · loan HK$7.35M · min. income ≈ HK$78,640/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$459,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,122
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$40,338
−HK$1,237/mo
Today · 4.125%
HK$41,575
baseline
▲ 0.50% · 4.625%
HK$44,105
+HK$2,530/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$83,150/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,522
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$44,690
−HK$1,184/mo
Today · 4.125%
HK$45,874
baseline
▲ 0.50% · 4.625%
HK$48,292
+HK$2,418/mo
Deposit HK$3.68M · loan HK$8.58M · min. income ≈ HK$91,748/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$459,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,299
−HK$3,154/mo
▼ 0.25% · 3.875%
HK$51,864
−HK$1,589/mo
Today · 4.125%
HK$53,453
baseline
▲ 0.50% · 4.625%
HK$56,706
+HK$3,253/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$106,906/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,957
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$57,458
−HK$1,522/mo
Today · 4.125%
HK$58,980
baseline
▲ 0.50% · 4.625%
HK$62,089
+HK$3,109/mo
Deposit HK$1.23M · loan HK$11.03M · min. income ≈ HK$117,960/mo (50% DSR)
Upfront cash ≈ HK$1.69M (deposit + AVD stamp duty HK$459,553 · Scale 2, in force from 26 Feb 2026)