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$28,177
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,054
−HK$890/mo
Today · 4.125%
HK$29,944
baseline
▲ 0.50% · 4.625%
HK$31,766
+HK$1,822/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$59,888/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,347
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,188
−HK$852/mo
Today · 4.125%
HK$33,040
baseline
▲ 0.50% · 4.625%
HK$34,782
+HK$1,742/mo
Deposit HK$6.18M · loan HK$6.18M · min. income ≈ HK$66,080/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$463,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,813
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$1,069/mo
Today · 4.125%
HK$35,933
baseline
▲ 0.50% · 4.625%
HK$38,119
+HK$2,186/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$71,866/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,616
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,625
−HK$1,023/mo
Today · 4.125%
HK$39,648
baseline
▲ 0.50% · 4.625%
HK$41,738
+HK$2,090/mo
Deposit HK$4.94M · loan HK$7.41M · min. income ≈ HK$79,296/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$463,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,448
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,675
−HK$1,247/mo
Today · 4.125%
HK$41,922
baseline
▲ 0.50% · 4.625%
HK$44,473
+HK$2,551/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$83,844/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,886
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,063
−HK$1,194/mo
Today · 4.125%
HK$46,257
baseline
▲ 0.50% · 4.625%
HK$48,695
+HK$2,438/mo
Deposit HK$3.71M · loan HK$8.65M · min. income ≈ HK$92,514/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,719
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$52,297
−HK$1,602/mo
Today · 4.125%
HK$53,899
baseline
▲ 0.50% · 4.625%
HK$57,179
+HK$3,280/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$107,798/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,424
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$57,938
−HK$1,535/mo
Today · 4.125%
HK$59,473
baseline
▲ 0.50% · 4.625%
HK$62,608
+HK$3,135/mo
Deposit HK$1.24M · loan HK$11.12M · min. income ≈ HK$118,946/mo (50% DSR)
Upfront cash ≈ HK$1.70M (deposit + AVD stamp duty HK$463,389 · Scale 2, in force from 26 Feb 2026)