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$27,859
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,726
−HK$880/mo
Today · 4.125%
HK$29,606
baseline
▲ 0.50% · 4.625%
HK$31,408
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,212/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,993
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,824
−HK$844/mo
Today · 4.125%
HK$32,668
baseline
▲ 0.50% · 4.625%
HK$34,390
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,336/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,431
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,471
−HK$1,057/mo
Today · 4.125%
HK$35,528
baseline
▲ 0.50% · 4.625%
HK$37,689
+HK$2,161/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,056/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,192
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,189
−HK$1,012/mo
Today · 4.125%
HK$39,201
baseline
▲ 0.50% · 4.625%
HK$41,268
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,402/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,003
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,216
−HK$1,233/mo
Today · 4.125%
HK$41,449
baseline
▲ 0.50% · 4.625%
HK$43,971
+HK$2,522/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,898/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,390
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,554
−HK$1,181/mo
Today · 4.125%
HK$45,735
baseline
▲ 0.50% · 4.625%
HK$48,145
+HK$2,410/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,470/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,147
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,707
−HK$1,584/mo
Today · 4.125%
HK$53,291
baseline
▲ 0.50% · 4.625%
HK$56,534
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,582/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,788
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,284
−HK$1,518/mo
Today · 4.125%
HK$58,802
baseline
▲ 0.50% · 4.625%
HK$61,901
+HK$3,099/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,604/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,161 · Scale 2, in force from 26 Feb 2026)