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$27,860
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,726
−HK$881/mo
Today · 4.125%
HK$29,607
baseline
▲ 0.50% · 4.625%
HK$31,408
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,214/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,994
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,825
−HK$843/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$458,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,432
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,472
−HK$1,056/mo
Today · 4.125%
HK$35,528
baseline
▲ 0.50% · 4.625%
HK$37,690
+HK$2,162/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$458,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,192
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,190
−HK$1,012/mo
Today · 4.125%
HK$39,202
baseline
▲ 0.50% · 4.625%
HK$41,268
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,404/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,004
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,217
−HK$1,232/mo
Today · 4.125%
HK$41,449
baseline
▲ 0.50% · 4.625%
HK$43,972
+HK$2,523/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$458,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,391
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,555
−HK$1,180/mo
Today · 4.125%
HK$45,735
baseline
▲ 0.50% · 4.625%
HK$48,146
+HK$2,411/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$458,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,147
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,707
−HK$1,585/mo
Today · 4.125%
HK$53,292
baseline
▲ 0.50% · 4.625%
HK$56,535
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,584/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,789
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,285
−HK$1,518/mo
Today · 4.125%
HK$58,803
baseline
▲ 0.50% · 4.625%
HK$61,902
+HK$3,099/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,606/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,168 · Scale 2, in force from 26 Feb 2026)