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$27,864
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$880/mo
Today · 4.125%
HK$29,611
baseline
▲ 0.50% · 4.625%
HK$31,413
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,222/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,998
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,830
−HK$843/mo
Today · 4.125%
HK$32,673
baseline
▲ 0.50% · 4.625%
HK$34,395
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,346/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,437
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$1,056/mo
Today · 4.125%
HK$35,533
baseline
▲ 0.50% · 4.625%
HK$37,695
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,066/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,198
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,195
−HK$1,013/mo
Today · 4.125%
HK$39,208
baseline
▲ 0.50% · 4.625%
HK$41,274
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,416/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,009
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,223
−HK$1,233/mo
Today · 4.125%
HK$41,456
baseline
▲ 0.50% · 4.625%
HK$43,978
+HK$2,522/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,912/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,397
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,561
−HK$1,181/mo
Today · 4.125%
HK$45,742
baseline
▲ 0.50% · 4.625%
HK$48,153
+HK$2,411/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,484/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,155
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,715
−HK$1,585/mo
Today · 4.125%
HK$53,300
baseline
▲ 0.50% · 4.625%
HK$56,543
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,600/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,797
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,293
−HK$1,518/mo
Today · 4.125%
HK$58,811
baseline
▲ 0.50% · 4.625%
HK$61,911
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,622/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,235 · Scale 2, in force from 26 Feb 2026)