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$27,865
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,731
−HK$881/mo
Today · 4.125%
HK$29,612
baseline
▲ 0.50% · 4.625%
HK$31,414
+HK$1,802/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$458,247 · 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$458,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,437
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,478
−HK$1,056/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$458,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,199
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,196
−HK$1,013/mo
Today · 4.125%
HK$39,209
baseline
▲ 0.50% · 4.625%
HK$41,275
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,418/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,010
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,224
−HK$1,233/mo
Today · 4.125%
HK$41,457
baseline
▲ 0.50% · 4.625%
HK$43,979
+HK$2,522/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,914/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,399
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,563
−HK$1,180/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$458,247 · 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$56,545
+HK$3,244/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$458,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,798
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,295
−HK$1,518/mo
Today · 4.125%
HK$58,813
baseline
▲ 0.50% · 4.625%
HK$61,913
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,626/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,247 · Scale 2, in force from 26 Feb 2026)