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$27,852
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,718
−HK$880/mo
Today · 4.125%
HK$29,598
baseline
▲ 0.50% · 4.625%
HK$31,399
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,196/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,985
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,816
−HK$843/mo
Today · 4.125%
HK$32,659
baseline
▲ 0.50% · 4.625%
HK$34,380
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,318/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,422
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,461
−HK$1,057/mo
Today · 4.125%
HK$35,518
baseline
▲ 0.50% · 4.625%
HK$37,679
+HK$2,161/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,036/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,181
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,179
−HK$1,011/mo
Today · 4.125%
HK$39,190
baseline
▲ 0.50% · 4.625%
HK$41,256
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,380/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,992
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,205
−HK$1,232/mo
Today · 4.125%
HK$41,437
baseline
▲ 0.50% · 4.625%
HK$43,959
+HK$2,522/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,874/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,378
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,542
−HK$1,180/mo
Today · 4.125%
HK$45,722
baseline
▲ 0.50% · 4.625%
HK$48,132
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,444/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,133
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,692
−HK$1,584/mo
Today · 4.125%
HK$53,276
baseline
▲ 0.50% · 4.625%
HK$56,518
+HK$3,242/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,552/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,772
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,268
−HK$1,517/mo
Today · 4.125%
HK$58,785
baseline
▲ 0.50% · 4.625%
HK$61,884
+HK$3,099/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,570/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,033 · Scale 2, in force from 26 Feb 2026)