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$1,749/mo
▼ 0.25% · 3.875%
HK$28,748
−HK$881/mo
Today · 4.125%
HK$29,629
baseline
▲ 0.50% · 4.625%
HK$31,432
+HK$1,803/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,258/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,017
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$843/mo
Today · 4.125%
HK$32,692
baseline
▲ 0.50% · 4.625%
HK$34,416
+HK$1,724/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$458,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,456
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,497
−HK$1,057/mo
Today · 4.125%
HK$35,554
baseline
▲ 0.50% · 4.625%
HK$37,718
+HK$2,164/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$458,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,220
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,218
−HK$1,013/mo
Today · 4.125%
HK$39,231
baseline
▲ 0.50% · 4.625%
HK$41,299
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,462/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,033
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,247
−HK$1,233/mo
Today · 4.125%
HK$41,480
baseline
▲ 0.50% · 4.625%
HK$44,004
+HK$2,524/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,960/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,423
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,588
−HK$1,181/mo
Today · 4.125%
HK$45,769
baseline
▲ 0.50% · 4.625%
HK$48,182
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,538/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,185
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,746
−HK$1,586/mo
Today · 4.125%
HK$53,332
baseline
▲ 0.50% · 4.625%
HK$56,577
+HK$3,245/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,664/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,830
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,327
−HK$1,519/mo
Today · 4.125%
HK$58,846
baseline
▲ 0.50% · 4.625%
HK$61,948
+HK$3,102/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,692/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,508 · Scale 2, in force from 26 Feb 2026)