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$27,854
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,720
−HK$880/mo
Today · 4.125%
HK$29,600
baseline
▲ 0.50% · 4.625%
HK$31,401
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,200/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,987
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,818
−HK$843/mo
Today · 4.125%
HK$32,661
baseline
▲ 0.50% · 4.625%
HK$34,383
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,322/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,424
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,464
−HK$1,056/mo
Today · 4.125%
HK$35,520
baseline
▲ 0.50% · 4.625%
HK$37,682
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,040/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,184
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,181
−HK$1,012/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,259
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,995
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,232/mo
Today · 4.125%
HK$41,440
baseline
▲ 0.50% · 4.625%
HK$43,962
+HK$2,522/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,880/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,545
−HK$1,180/mo
Today · 4.125%
HK$45,725
baseline
▲ 0.50% · 4.625%
HK$48,136
+HK$2,411/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,450/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,136
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,696
−HK$1,584/mo
Today · 4.125%
HK$53,280
baseline
▲ 0.50% · 4.625%
HK$56,522
+HK$3,242/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,560/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,776
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,272
−HK$1,518/mo
Today · 4.125%
HK$58,790
baseline
▲ 0.50% · 4.625%
HK$61,889
+HK$3,099/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,580/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,067 · Scale 2, in force from 26 Feb 2026)