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$27,850
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,717
−HK$880/mo
Today · 4.125%
HK$29,597
baseline
▲ 0.50% · 4.625%
HK$31,398
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,194/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$458,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,983
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,814
−HK$843/mo
Today · 4.125%
HK$32,657
baseline
▲ 0.50% · 4.625%
HK$34,378
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,314/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$458,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,420
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,460
−HK$1,056/mo
Today · 4.125%
HK$35,516
baseline
▲ 0.50% · 4.625%
HK$37,677
+HK$2,161/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,032/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,180
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,177
−HK$1,011/mo
Today · 4.125%
HK$39,188
baseline
▲ 0.50% · 4.625%
HK$41,254
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,376/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,990
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,203
−HK$1,232/mo
Today · 4.125%
HK$41,435
baseline
▲ 0.50% · 4.625%
HK$43,957
+HK$2,522/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,870/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,376
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,540
−HK$1,180/mo
Today · 4.125%
HK$45,720
baseline
▲ 0.50% · 4.625%
HK$48,130
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,440/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,130
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,690
−HK$1,584/mo
Today · 4.125%
HK$53,274
baseline
▲ 0.50% · 4.625%
HK$56,516
+HK$3,242/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,548/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,770
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,265
−HK$1,518/mo
Today · 4.125%
HK$58,783
baseline
▲ 0.50% · 4.625%
HK$61,881
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,566/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,012 · Scale 2, in force from 26 Feb 2026)