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$27,877
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,744
−HK$881/mo
Today · 4.125%
HK$29,625
baseline
▲ 0.50% · 4.625%
HK$31,427
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,250/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,013
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,844
−HK$844/mo
Today · 4.125%
HK$32,688
baseline
▲ 0.50% · 4.625%
HK$34,411
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,376/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,452
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,493
−HK$1,057/mo
Today · 4.125%
HK$35,550
baseline
▲ 0.50% · 4.625%
HK$37,713
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,100/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,215
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,213
−HK$1,013/mo
Today · 4.125%
HK$39,226
baseline
▲ 0.50% · 4.625%
HK$41,293
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,452/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,027
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$40,241
−HK$1,234/mo
Today · 4.125%
HK$41,475
baseline
▲ 0.50% · 4.625%
HK$43,998
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,950/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,418
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,582
−HK$1,181/mo
Today · 4.125%
HK$45,763
baseline
▲ 0.50% · 4.625%
HK$48,176
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,526/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,178
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,739
−HK$1,586/mo
Today · 4.125%
HK$53,325
baseline
▲ 0.50% · 4.625%
HK$56,569
+HK$3,244/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,650/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,823
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,320
−HK$1,519/mo
Today · 4.125%
HK$58,839
baseline
▲ 0.50% · 4.625%
HK$61,940
+HK$3,101/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,678/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,448 · Scale 2, in force from 26 Feb 2026)