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$27,866
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,733
−HK$880/mo
Today · 4.125%
HK$29,613
baseline
▲ 0.50% · 4.625%
HK$31,415
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,226/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,832
−HK$843/mo
Today · 4.125%
HK$32,675
baseline
▲ 0.50% · 4.625%
HK$34,398
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,350/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,439
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,479
−HK$1,057/mo
Today · 4.125%
HK$35,536
baseline
▲ 0.50% · 4.625%
HK$37,698
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,072/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,201
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,198
−HK$1,012/mo
Today · 4.125%
HK$39,210
baseline
▲ 0.50% · 4.625%
HK$41,277
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,420/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,012
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,226
−HK$1,233/mo
Today · 4.125%
HK$41,459
baseline
▲ 0.50% · 4.625%
HK$43,981
+HK$2,522/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,918/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,401
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,565
−HK$1,180/mo
Today · 4.125%
HK$45,745
baseline
▲ 0.50% · 4.625%
HK$48,157
+HK$2,412/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,490/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,158
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,719
−HK$1,585/mo
Today · 4.125%
HK$53,304
baseline
▲ 0.50% · 4.625%
HK$56,547
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,608/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,801
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,297
−HK$1,519/mo
Today · 4.125%
HK$58,816
baseline
▲ 0.50% · 4.625%
HK$61,916
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,632/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,268 · Scale 2, in force from 26 Feb 2026)