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$27,870
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,737
−HK$881/mo
Today · 4.125%
HK$29,618
baseline
▲ 0.50% · 4.625%
HK$31,420
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,236/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,005
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,836
−HK$844/mo
Today · 4.125%
HK$32,680
baseline
▲ 0.50% · 4.625%
HK$34,403
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,360/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,444
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,484
−HK$1,057/mo
Today · 4.125%
HK$35,541
baseline
▲ 0.50% · 4.625%
HK$37,704
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,082/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,206
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,204
−HK$1,012/mo
Today · 4.125%
HK$39,216
baseline
▲ 0.50% · 4.625%
HK$41,283
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,432/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,018
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,231
−HK$1,234/mo
Today · 4.125%
HK$41,465
baseline
▲ 0.50% · 4.625%
HK$43,988
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,930/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,407
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,571
−HK$1,181/mo
Today · 4.125%
HK$45,752
baseline
▲ 0.50% · 4.625%
HK$48,164
+HK$2,412/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,504/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,166
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,726
−HK$1,586/mo
Today · 4.125%
HK$53,312
baseline
▲ 0.50% · 4.625%
HK$56,555
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,624/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,809
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,306
−HK$1,518/mo
Today · 4.125%
HK$58,824
baseline
▲ 0.50% · 4.625%
HK$61,925
+HK$3,101/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,648/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,335 · Scale 2, in force from 26 Feb 2026)