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$27,863
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,729
−HK$881/mo
Today · 4.125%
HK$29,610
baseline
▲ 0.50% · 4.625%
HK$31,412
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,220/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,997
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,828
−HK$844/mo
Today · 4.125%
HK$32,672
baseline
▲ 0.50% · 4.625%
HK$34,394
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,344/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,475
−HK$1,057/mo
Today · 4.125%
HK$35,532
baseline
▲ 0.50% · 4.625%
HK$37,694
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,064/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,196
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,194
−HK$1,012/mo
Today · 4.125%
HK$39,206
baseline
▲ 0.50% · 4.625%
HK$41,273
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,412/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,008
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,221
−HK$1,233/mo
Today · 4.125%
HK$41,454
baseline
▲ 0.50% · 4.625%
HK$43,976
+HK$2,522/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,908/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,396
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,560
−HK$1,180/mo
Today · 4.125%
HK$45,740
baseline
▲ 0.50% · 4.625%
HK$48,151
+HK$2,411/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,480/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,153
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,713
−HK$1,585/mo
Today · 4.125%
HK$53,298
baseline
▲ 0.50% · 4.625%
HK$56,541
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,596/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,795
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,291
−HK$1,518/mo
Today · 4.125%
HK$58,809
baseline
▲ 0.50% · 4.625%
HK$61,909
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,618/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,218 · Scale 2, in force from 26 Feb 2026)