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$27,876
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,743
−HK$881/mo
Today · 4.125%
HK$29,624
baseline
▲ 0.50% · 4.625%
HK$31,426
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,248/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,011
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$844/mo
Today · 4.125%
HK$32,687
baseline
▲ 0.50% · 4.625%
HK$34,410
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,374/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,451
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,491
−HK$1,057/mo
Today · 4.125%
HK$35,548
baseline
▲ 0.50% · 4.625%
HK$37,711
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,096/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,214
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,212
−HK$1,012/mo
Today · 4.125%
HK$39,224
baseline
▲ 0.50% · 4.625%
HK$41,292
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,448/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,026
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,240
−HK$1,233/mo
Today · 4.125%
HK$41,473
baseline
▲ 0.50% · 4.625%
HK$43,997
+HK$2,524/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,946/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,416
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,580
−HK$1,182/mo
Today · 4.125%
HK$45,762
baseline
▲ 0.50% · 4.625%
HK$48,174
+HK$2,412/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,524/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,176
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,737
−HK$1,586/mo
Today · 4.125%
HK$53,323
baseline
▲ 0.50% · 4.625%
HK$56,567
+HK$3,244/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,646/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,820
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,318
−HK$1,518/mo
Today · 4.125%
HK$58,836
baseline
▲ 0.50% · 4.625%
HK$61,938
+HK$3,102/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,672/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,430 · Scale 2, in force from 26 Feb 2026)