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$27,861
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,728
−HK$881/mo
Today · 4.125%
HK$29,609
baseline
▲ 0.50% · 4.625%
HK$31,410
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,218/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,995
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,827
−HK$843/mo
Today · 4.125%
HK$32,670
baseline
▲ 0.50% · 4.625%
HK$34,392
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,340/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,434
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,474
−HK$1,056/mo
Today · 4.125%
HK$35,530
baseline
▲ 0.50% · 4.625%
HK$37,692
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,060/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,195
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,192
−HK$1,012/mo
Today · 4.125%
HK$39,204
baseline
▲ 0.50% · 4.625%
HK$41,271
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,408/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,006
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,219
−HK$1,233/mo
Today · 4.125%
HK$41,452
baseline
▲ 0.50% · 4.625%
HK$43,974
+HK$2,522/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,904/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,394
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,557
−HK$1,181/mo
Today · 4.125%
HK$45,738
baseline
▲ 0.50% · 4.625%
HK$48,149
+HK$2,411/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,476/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,150
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,710
−HK$1,585/mo
Today · 4.125%
HK$53,295
baseline
▲ 0.50% · 4.625%
HK$56,538
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,590/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,792
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,288
−HK$1,518/mo
Today · 4.125%
HK$58,806
baseline
▲ 0.50% · 4.625%
HK$61,906
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,612/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,195 · Scale 2, in force from 26 Feb 2026)