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$27,874
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,741
−HK$881/mo
Today · 4.125%
HK$29,622
baseline
▲ 0.50% · 4.625%
HK$31,425
+HK$1,803/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,244/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,010
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,842
−HK$843/mo
Today · 4.125%
HK$32,685
baseline
▲ 0.50% · 4.625%
HK$34,408
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,370/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,449
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,490
−HK$1,057/mo
Today · 4.125%
HK$35,547
baseline
▲ 0.50% · 4.625%
HK$37,710
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,094/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,212
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,210
−HK$1,012/mo
Today · 4.125%
HK$39,222
baseline
▲ 0.50% · 4.625%
HK$41,290
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,444/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,024
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,238
−HK$1,233/mo
Today · 4.125%
HK$41,471
baseline
▲ 0.50% · 4.625%
HK$43,995
+HK$2,524/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,942/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,414
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,578
−HK$1,181/mo
Today · 4.125%
HK$45,759
baseline
▲ 0.50% · 4.625%
HK$48,171
+HK$2,412/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,518/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,174
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,735
−HK$1,585/mo
Today · 4.125%
HK$53,320
baseline
▲ 0.50% · 4.625%
HK$56,565
+HK$3,245/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,640/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,818
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,315
−HK$1,519/mo
Today · 4.125%
HK$58,834
baseline
▲ 0.50% · 4.625%
HK$61,935
+HK$3,101/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,668/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,409 · Scale 2, in force from 26 Feb 2026)