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$27,854
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,720
−HK$881/mo
Today · 4.125%
HK$29,601
baseline
▲ 0.50% · 4.625%
HK$31,402
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,202/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,987
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,818
−HK$843/mo
Today · 4.125%
HK$32,661
baseline
▲ 0.50% · 4.625%
HK$34,383
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,322/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,425
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,464
−HK$1,057/mo
Today · 4.125%
HK$35,521
baseline
▲ 0.50% · 4.625%
HK$37,682
+HK$2,161/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,042/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,185
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,182
−HK$1,011/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,259
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,995
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,208
−HK$1,233/mo
Today · 4.125%
HK$41,441
baseline
▲ 0.50% · 4.625%
HK$43,962
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,882/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,545
−HK$1,181/mo
Today · 4.125%
HK$45,726
baseline
▲ 0.50% · 4.625%
HK$48,136
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,452/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,137
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,696
−HK$1,585/mo
Today · 4.125%
HK$53,281
baseline
▲ 0.50% · 4.625%
HK$56,523
+HK$3,242/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,562/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,777
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,273
−HK$1,517/mo
Today · 4.125%
HK$58,790
baseline
▲ 0.50% · 4.625%
HK$61,889
+HK$3,099/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,580/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,071 · Scale 2, in force from 26 Feb 2026)