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$27,872
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,739
−HK$880/mo
Today · 4.125%
HK$29,619
baseline
▲ 0.50% · 4.625%
HK$31,422
+HK$1,803/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,238/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,007
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,838
−HK$844/mo
Today · 4.125%
HK$32,682
baseline
▲ 0.50% · 4.625%
HK$34,405
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,364/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,446
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,486
−HK$1,057/mo
Today · 4.125%
HK$35,543
baseline
▲ 0.50% · 4.625%
HK$37,706
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,086/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,208
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,206
−HK$1,012/mo
Today · 4.125%
HK$39,218
baseline
▲ 0.50% · 4.625%
HK$41,286
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,436/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,020
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,234
−HK$1,233/mo
Today · 4.125%
HK$41,467
baseline
▲ 0.50% · 4.625%
HK$43,990
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,934/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,410
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,574
−HK$1,181/mo
Today · 4.125%
HK$45,755
baseline
▲ 0.50% · 4.625%
HK$48,167
+HK$2,412/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,510/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,169
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,729
−HK$1,586/mo
Today · 4.125%
HK$53,315
baseline
▲ 0.50% · 4.625%
HK$56,559
+HK$3,244/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,630/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,812
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,309
−HK$1,519/mo
Today · 4.125%
HK$58,828
baseline
▲ 0.50% · 4.625%
HK$61,929
+HK$3,101/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,656/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,363 · Scale 2, in force from 26 Feb 2026)