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$27,858
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,725
−HK$880/mo
Today · 4.125%
HK$29,605
baseline
▲ 0.50% · 4.625%
HK$31,407
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,210/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,992
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$843/mo
Today · 4.125%
HK$32,666
baseline
▲ 0.50% · 4.625%
HK$34,388
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,332/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,430
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,470
−HK$1,056/mo
Today · 4.125%
HK$35,526
baseline
▲ 0.50% · 4.625%
HK$37,688
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,052/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,190
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,188
−HK$1,012/mo
Today · 4.125%
HK$39,200
baseline
▲ 0.50% · 4.625%
HK$41,266
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,400/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,001
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,215
−HK$1,232/mo
Today · 4.125%
HK$41,447
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,522/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,894/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,389
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,552
−HK$1,181/mo
Today · 4.125%
HK$45,733
baseline
▲ 0.50% · 4.625%
HK$48,143
+HK$2,410/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,466/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,145
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,704
−HK$1,585/mo
Today · 4.125%
HK$53,289
baseline
▲ 0.50% · 4.625%
HK$56,532
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,578/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,785
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,282
−HK$1,517/mo
Today · 4.125%
HK$58,799
baseline
▲ 0.50% · 4.625%
HK$61,899
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,598/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,142 · Scale 2, in force from 26 Feb 2026)