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$27,865
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,732
−HK$881/mo
Today · 4.125%
HK$29,613
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,226/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,831
−HK$844/mo
Today · 4.125%
HK$32,675
baseline
▲ 0.50% · 4.625%
HK$34,397
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,350/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,438
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,478
−HK$1,057/mo
Today · 4.125%
HK$35,535
baseline
▲ 0.50% · 4.625%
HK$37,697
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,070/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,200
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,197
−HK$1,013/mo
Today · 4.125%
HK$39,210
baseline
▲ 0.50% · 4.625%
HK$41,276
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,420/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,011
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,225
−HK$1,233/mo
Today · 4.125%
HK$41,458
baseline
▲ 0.50% · 4.625%
HK$43,980
+HK$2,522/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,916/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,400
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,564
−HK$1,181/mo
Today · 4.125%
HK$45,745
baseline
▲ 0.50% · 4.625%
HK$48,156
+HK$2,411/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,490/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,157
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,718
−HK$1,585/mo
Today · 4.125%
HK$53,303
baseline
▲ 0.50% · 4.625%
HK$56,546
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,606/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,800
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,296
−HK$1,518/mo
Today · 4.125%
HK$58,814
baseline
▲ 0.50% · 4.625%
HK$61,915
+HK$3,101/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,628/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,259 · Scale 2, in force from 26 Feb 2026)