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$27,846
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,712
−HK$880/mo
Today · 4.125%
HK$29,592
baseline
▲ 0.50% · 4.625%
HK$31,393
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,184/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,978
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,809
−HK$843/mo
Today · 4.125%
HK$32,652
baseline
▲ 0.50% · 4.625%
HK$34,373
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,304/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$457,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,415
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,455
−HK$1,056/mo
Today · 4.125%
HK$35,511
baseline
▲ 0.50% · 4.625%
HK$37,671
+HK$2,160/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$71,022/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,174
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,171
−HK$1,011/mo
Today · 4.125%
HK$39,182
baseline
▲ 0.50% · 4.625%
HK$41,248
+HK$2,066/mo
Deposit HK$4.88M · loan HK$7.33M · min. income ≈ HK$78,364/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$457,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,984
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,197
−HK$1,232/mo
Today · 4.125%
HK$41,429
baseline
▲ 0.50% · 4.625%
HK$43,950
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,858/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,370
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$44,533
−HK$1,180/mo
Today · 4.125%
HK$45,713
baseline
▲ 0.50% · 4.625%
HK$48,122
+HK$2,409/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,426/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,123
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,682
−HK$1,584/mo
Today · 4.125%
HK$53,266
baseline
▲ 0.50% · 4.625%
HK$56,507
+HK$3,241/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,532/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,761
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,256
−HK$1,518/mo
Today · 4.125%
HK$58,774
baseline
▲ 0.50% · 4.625%
HK$61,872
+HK$3,098/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,548/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$457,942 · Scale 2, in force from 26 Feb 2026)