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$27,869
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,735
−HK$881/mo
Today · 4.125%
HK$29,616
baseline
▲ 0.50% · 4.625%
HK$31,418
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,232/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,003
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,835
−HK$843/mo
Today · 4.125%
HK$32,678
baseline
▲ 0.50% · 4.625%
HK$34,401
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,356/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,442
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,482
−HK$1,057/mo
Today · 4.125%
HK$35,539
baseline
▲ 0.50% · 4.625%
HK$37,702
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,078/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,204
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,202
−HK$1,012/mo
Today · 4.125%
HK$39,214
baseline
▲ 0.50% · 4.625%
HK$41,281
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,428/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,016
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,230
−HK$1,233/mo
Today · 4.125%
HK$41,463
baseline
▲ 0.50% · 4.625%
HK$43,986
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,926/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,405
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,569
−HK$1,181/mo
Today · 4.125%
HK$45,750
baseline
▲ 0.50% · 4.625%
HK$48,161
+HK$2,411/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,500/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,163
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,724
−HK$1,585/mo
Today · 4.125%
HK$53,309
baseline
▲ 0.50% · 4.625%
HK$56,553
+HK$3,244/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,618/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,806
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,303
−HK$1,518/mo
Today · 4.125%
HK$58,821
baseline
▲ 0.50% · 4.625%
HK$61,922
+HK$3,101/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,642/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,313 · Scale 2, in force from 26 Feb 2026)