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$27,849
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,715
−HK$880/mo
Today · 4.125%
HK$29,595
baseline
▲ 0.50% · 4.625%
HK$31,396
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,190/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,812
−HK$843/mo
Today · 4.125%
HK$32,655
baseline
▲ 0.50% · 4.625%
HK$34,377
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,310/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,419
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,458
−HK$1,056/mo
Today · 4.125%
HK$35,514
baseline
▲ 0.50% · 4.625%
HK$37,675
+HK$2,161/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,028/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,178
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,175
−HK$1,011/mo
Today · 4.125%
HK$39,186
baseline
▲ 0.50% · 4.625%
HK$41,252
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,372/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,988
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,201
−HK$1,232/mo
Today · 4.125%
HK$41,433
baseline
▲ 0.50% · 4.625%
HK$43,954
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,866/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,374
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,537
−HK$1,181/mo
Today · 4.125%
HK$45,718
baseline
▲ 0.50% · 4.625%
HK$48,127
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,436/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,128
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,687
−HK$1,584/mo
Today · 4.125%
HK$53,271
baseline
▲ 0.50% · 4.625%
HK$56,513
+HK$3,242/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,542/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,767
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,262
−HK$1,518/mo
Today · 4.125%
HK$58,780
baseline
▲ 0.50% · 4.625%
HK$61,878
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,560/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,989 · Scale 2, in force from 26 Feb 2026)