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$27,864
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$881/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,413
+HK$1,801/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$458,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,999
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,830
−HK$844/mo
Today · 4.125%
HK$32,674
baseline
▲ 0.50% · 4.625%
HK$34,396
+HK$1,722/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$458,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,437
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$1,057/mo
Today · 4.125%
HK$35,534
baseline
▲ 0.50% · 4.625%
HK$37,696
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,068/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,199
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,196
−HK$1,012/mo
Today · 4.125%
HK$39,208
baseline
▲ 0.50% · 4.625%
HK$41,275
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,416/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,010
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,223
−HK$1,233/mo
Today · 4.125%
HK$41,456
baseline
▲ 0.50% · 4.625%
HK$43,979
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,912/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,398
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,562
−HK$1,181/mo
Today · 4.125%
HK$45,743
baseline
▲ 0.50% · 4.625%
HK$48,154
+HK$2,411/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,486/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,156
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,716
−HK$1,585/mo
Today · 4.125%
HK$53,301
baseline
▲ 0.50% · 4.625%
HK$56,544
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,602/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,798
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,294
−HK$1,518/mo
Today · 4.125%
HK$58,812
baseline
▲ 0.50% · 4.625%
HK$61,912
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,624/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,243 · Scale 2, in force from 26 Feb 2026)