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$27,861
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,727
−HK$881/mo
Today · 4.125%
HK$29,608
baseline
▲ 0.50% · 4.625%
HK$31,409
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,216/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,995
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,826
−HK$843/mo
Today · 4.125%
HK$32,669
baseline
▲ 0.50% · 4.625%
HK$34,391
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,338/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,433
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$1,056/mo
Today · 4.125%
HK$35,529
baseline
▲ 0.50% · 4.625%
HK$37,691
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,058/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,193
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,191
−HK$1,012/mo
Today · 4.125%
HK$39,203
baseline
▲ 0.50% · 4.625%
HK$41,269
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,406/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,005
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,218
−HK$1,233/mo
Today · 4.125%
HK$41,451
baseline
▲ 0.50% · 4.625%
HK$43,973
+HK$2,522/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,902/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,392
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,556
−HK$1,181/mo
Today · 4.125%
HK$45,737
baseline
▲ 0.50% · 4.625%
HK$48,148
+HK$2,411/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,474/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,149
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,709
−HK$1,585/mo
Today · 4.125%
HK$53,294
baseline
▲ 0.50% · 4.625%
HK$56,536
+HK$3,242/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,588/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,790
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,286
−HK$1,518/mo
Today · 4.125%
HK$58,804
baseline
▲ 0.50% · 4.625%
HK$61,904
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,608/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,181 · Scale 2, in force from 26 Feb 2026)