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$27,847
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,713
−HK$880/mo
Today · 4.125%
HK$29,593
baseline
▲ 0.50% · 4.625%
HK$31,393
+HK$1,800/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,186/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,979
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,810
−HK$843/mo
Today · 4.125%
HK$32,653
baseline
▲ 0.50% · 4.625%
HK$34,374
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,306/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,416
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,455
−HK$1,056/mo
Today · 4.125%
HK$35,511
baseline
▲ 0.50% · 4.625%
HK$37,672
+HK$2,161/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,022/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,175
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,172
−HK$1,011/mo
Today · 4.125%
HK$39,183
baseline
▲ 0.50% · 4.625%
HK$41,249
+HK$2,066/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,366/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,985
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,198
−HK$1,232/mo
Today · 4.125%
HK$41,430
baseline
▲ 0.50% · 4.625%
HK$43,951
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,860/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,371
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,534
−HK$1,180/mo
Today · 4.125%
HK$45,714
baseline
▲ 0.50% · 4.625%
HK$48,123
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,428/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,124
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,683
−HK$1,584/mo
Today · 4.125%
HK$53,267
baseline
▲ 0.50% · 4.625%
HK$56,508
+HK$3,241/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,534/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,762
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,258
−HK$1,517/mo
Today · 4.125%
HK$58,775
baseline
▲ 0.50% · 4.625%
HK$61,873
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,550/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,951 · Scale 2, in force from 26 Feb 2026)