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$27,883
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$28,751
−HK$881/mo
Today · 4.125%
HK$29,632
baseline
▲ 0.50% · 4.625%
HK$31,435
+HK$1,803/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,264/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,020
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$31,852
−HK$844/mo
Today · 4.125%
HK$32,696
baseline
▲ 0.50% · 4.625%
HK$34,419
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,392/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,460
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,501
−HK$1,057/mo
Today · 4.125%
HK$35,558
baseline
▲ 0.50% · 4.625%
HK$37,722
+HK$2,164/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,116/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,224
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,222
−HK$1,013/mo
Today · 4.125%
HK$39,235
baseline
▲ 0.50% · 4.625%
HK$41,303
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,470/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,037
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,251
−HK$1,233/mo
Today · 4.125%
HK$41,484
baseline
▲ 0.50% · 4.625%
HK$44,009
+HK$2,525/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,968/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,428
−HK$2,346/mo
▼ 0.25% · 3.875%
HK$44,592
−HK$1,182/mo
Today · 4.125%
HK$45,774
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,548/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,190
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,751
−HK$1,586/mo
Today · 4.125%
HK$53,337
baseline
▲ 0.50% · 4.625%
HK$56,583
+HK$3,246/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$106,674/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,836
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,333
−HK$1,519/mo
Today · 4.125%
HK$58,852
baseline
▲ 0.50% · 4.625%
HK$61,955
+HK$3,103/mo
Deposit HK$1.22M · loan HK$11.01M · min. income ≈ HK$117,704/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,555 · Scale 2, in force from 26 Feb 2026)