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$27,852
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,718
−HK$880/mo
Today · 4.125%
HK$29,598
baseline
▲ 0.50% · 4.625%
HK$31,399
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,196/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,985
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,816
−HK$843/mo
Today · 4.125%
HK$32,659
baseline
▲ 0.50% · 4.625%
HK$34,380
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,318/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,422
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,462
−HK$1,056/mo
Today · 4.125%
HK$35,518
baseline
▲ 0.50% · 4.625%
HK$37,679
+HK$2,161/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,036/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,182
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,179
−HK$1,012/mo
Today · 4.125%
HK$39,191
baseline
▲ 0.50% · 4.625%
HK$41,256
+HK$2,065/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,382/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,993
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,205
−HK$1,233/mo
Today · 4.125%
HK$41,438
baseline
▲ 0.50% · 4.625%
HK$43,959
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,876/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,379
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,542
−HK$1,180/mo
Today · 4.125%
HK$45,722
baseline
▲ 0.50% · 4.625%
HK$48,133
+HK$2,411/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,444/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,133
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,693
−HK$1,584/mo
Today · 4.125%
HK$53,277
baseline
▲ 0.50% · 4.625%
HK$56,519
+HK$3,242/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,554/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,773
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,269
−HK$1,517/mo
Today · 4.125%
HK$58,786
baseline
▲ 0.50% · 4.625%
HK$61,885
+HK$3,099/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,572/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,038 · Scale 2, in force from 26 Feb 2026)