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$27,870
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,736
−HK$881/mo
Today · 4.125%
HK$29,617
baseline
▲ 0.50% · 4.625%
HK$31,419
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,234/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,005
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,836
−HK$844/mo
Today · 4.125%
HK$32,680
baseline
▲ 0.50% · 4.625%
HK$34,402
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,360/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,443
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,484
−HK$1,057/mo
Today · 4.125%
HK$35,541
baseline
▲ 0.50% · 4.625%
HK$37,703
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,082/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,205
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,203
−HK$1,013/mo
Today · 4.125%
HK$39,216
baseline
▲ 0.50% · 4.625%
HK$41,283
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,432/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,017
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,231
−HK$1,233/mo
Today · 4.125%
HK$41,464
baseline
▲ 0.50% · 4.625%
HK$43,987
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,928/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,406
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,571
−HK$1,180/mo
Today · 4.125%
HK$45,751
baseline
▲ 0.50% · 4.625%
HK$48,163
+HK$2,412/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,502/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,165
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,726
−HK$1,585/mo
Today · 4.125%
HK$53,311
baseline
▲ 0.50% · 4.625%
HK$56,555
+HK$3,244/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,622/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,808
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,305
−HK$1,518/mo
Today · 4.125%
HK$58,823
baseline
▲ 0.50% · 4.625%
HK$61,924
+HK$3,101/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,646/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,329 · Scale 2, in force from 26 Feb 2026)