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$27,865
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,732
−HK$880/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,414
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,224/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,831
−HK$843/mo
Today · 4.125%
HK$32,674
baseline
▲ 0.50% · 4.625%
HK$34,397
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,348/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,438
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,478
−HK$1,057/mo
Today · 4.125%
HK$35,535
baseline
▲ 0.50% · 4.625%
HK$37,697
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,070/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,199
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,197
−HK$1,012/mo
Today · 4.125%
HK$39,209
baseline
▲ 0.50% · 4.625%
HK$41,276
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,418/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,011
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,225
−HK$1,232/mo
Today · 4.125%
HK$41,457
baseline
▲ 0.50% · 4.625%
HK$43,980
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,914/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,399
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,563
−HK$1,181/mo
Today · 4.125%
HK$45,744
baseline
▲ 0.50% · 4.625%
HK$48,155
+HK$2,411/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,488/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,157
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,717
−HK$1,585/mo
Today · 4.125%
HK$53,302
baseline
▲ 0.50% · 4.625%
HK$56,546
+HK$3,244/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,604/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,799
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,296
−HK$1,518/mo
Today · 4.125%
HK$58,814
baseline
▲ 0.50% · 4.625%
HK$61,914
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,628/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,256 · Scale 2, in force from 26 Feb 2026)