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$27,862
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,729
−HK$880/mo
Today · 4.125%
HK$29,609
baseline
▲ 0.50% · 4.625%
HK$31,411
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,218/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,996
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,828
−HK$843/mo
Today · 4.125%
HK$32,671
baseline
▲ 0.50% · 4.625%
HK$34,393
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,342/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,475
−HK$1,056/mo
Today · 4.125%
HK$35,531
baseline
▲ 0.50% · 4.625%
HK$37,693
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,062/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,196
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,193
−HK$1,012/mo
Today · 4.125%
HK$39,205
baseline
▲ 0.50% · 4.625%
HK$41,272
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,410/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,007
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,220
−HK$1,233/mo
Today · 4.125%
HK$41,453
baseline
▲ 0.50% · 4.625%
HK$43,976
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,906/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,395
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,559
−HK$1,181/mo
Today · 4.125%
HK$45,740
baseline
▲ 0.50% · 4.625%
HK$48,151
+HK$2,411/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,480/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,152
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,712
−HK$1,585/mo
Today · 4.125%
HK$53,297
baseline
▲ 0.50% · 4.625%
HK$56,540
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,594/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,794
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,290
−HK$1,518/mo
Today · 4.125%
HK$58,808
baseline
▲ 0.50% · 4.625%
HK$61,908
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,616/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,209 · Scale 2, in force from 26 Feb 2026)