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$27,853
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,719
−HK$880/mo
Today · 4.125%
HK$29,599
baseline
▲ 0.50% · 4.625%
HK$31,400
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,198/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,986
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,817
−HK$843/mo
Today · 4.125%
HK$32,660
baseline
▲ 0.50% · 4.625%
HK$34,382
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,320/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,423
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,463
−HK$1,056/mo
Today · 4.125%
HK$35,519
baseline
▲ 0.50% · 4.625%
HK$37,681
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,038/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,183
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,180
−HK$1,012/mo
Today · 4.125%
HK$39,192
baseline
▲ 0.50% · 4.625%
HK$41,258
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,384/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,994
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,207
−HK$1,232/mo
Today · 4.125%
HK$41,439
baseline
▲ 0.50% · 4.625%
HK$43,961
+HK$2,522/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,878/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,380
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,544
−HK$1,180/mo
Today · 4.125%
HK$45,724
baseline
▲ 0.50% · 4.625%
HK$48,134
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,448/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,135
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,695
−HK$1,584/mo
Today · 4.125%
HK$53,279
baseline
▲ 0.50% · 4.625%
HK$56,521
+HK$3,242/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,558/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,775
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,271
−HK$1,517/mo
Today · 4.125%
HK$58,788
baseline
▲ 0.50% · 4.625%
HK$61,887
+HK$3,099/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,576/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,054 · Scale 2, in force from 26 Feb 2026)