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$27,843
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,709
−HK$880/mo
Today · 4.125%
HK$29,589
baseline
▲ 0.50% · 4.625%
HK$31,389
+HK$1,800/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,178/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,975
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$31,806
−HK$842/mo
Today · 4.125%
HK$32,648
baseline
▲ 0.50% · 4.625%
HK$34,369
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,296/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,411
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,451
−HK$1,056/mo
Today · 4.125%
HK$35,507
baseline
▲ 0.50% · 4.625%
HK$37,667
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,014/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,170
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,167
−HK$1,011/mo
Today · 4.125%
HK$39,178
baseline
▲ 0.50% · 4.625%
HK$41,243
+HK$2,065/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,356/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,980
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$40,193
−HK$1,231/mo
Today · 4.125%
HK$41,424
baseline
▲ 0.50% · 4.625%
HK$43,945
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,848/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,365
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,528
−HK$1,180/mo
Today · 4.125%
HK$45,708
baseline
▲ 0.50% · 4.625%
HK$48,117
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,416/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,117
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,676
−HK$1,584/mo
Today · 4.125%
HK$53,260
baseline
▲ 0.50% · 4.625%
HK$56,501
+HK$3,241/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,520/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,755
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,250
−HK$1,517/mo
Today · 4.125%
HK$58,767
baseline
▲ 0.50% · 4.625%
HK$61,865
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,534/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,891 · Scale 2, in force from 26 Feb 2026)