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$27,880
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,747
−HK$881/mo
Today · 4.125%
HK$29,628
baseline
▲ 0.50% · 4.625%
HK$31,431
+HK$1,803/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,256/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,016
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,848
−HK$844/mo
Today · 4.125%
HK$32,692
baseline
▲ 0.50% · 4.625%
HK$34,415
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,384/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,456
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,496
−HK$1,058/mo
Today · 4.125%
HK$35,554
baseline
▲ 0.50% · 4.625%
HK$37,717
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,108/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,219
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,217
−HK$1,013/mo
Today · 4.125%
HK$39,230
baseline
▲ 0.50% · 4.625%
HK$41,298
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,460/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,032
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,246
−HK$1,233/mo
Today · 4.125%
HK$41,479
baseline
▲ 0.50% · 4.625%
HK$44,003
+HK$2,524/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,958/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,422
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,587
−HK$1,181/mo
Today · 4.125%
HK$45,768
baseline
▲ 0.50% · 4.625%
HK$48,181
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,536/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,184
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,745
−HK$1,586/mo
Today · 4.125%
HK$53,331
baseline
▲ 0.50% · 4.625%
HK$56,576
+HK$3,245/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,662/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,829
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,326
−HK$1,519/mo
Today · 4.125%
HK$58,845
baseline
▲ 0.50% · 4.625%
HK$61,947
+HK$3,102/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,690/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,498 · Scale 2, in force from 26 Feb 2026)