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$27,855
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,722
−HK$880/mo
Today · 4.125%
HK$29,602
baseline
▲ 0.50% · 4.625%
HK$31,403
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,204/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,989
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,820
−HK$843/mo
Today · 4.125%
HK$32,663
baseline
▲ 0.50% · 4.625%
HK$34,385
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,326/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,426
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,466
−HK$1,056/mo
Today · 4.125%
HK$35,522
baseline
▲ 0.50% · 4.625%
HK$37,684
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,044/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,186
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,184
−HK$1,011/mo
Today · 4.125%
HK$39,195
baseline
▲ 0.50% · 4.625%
HK$41,261
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,390/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,997
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,210
−HK$1,233/mo
Today · 4.125%
HK$41,443
baseline
▲ 0.50% · 4.625%
HK$43,964
+HK$2,521/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,886/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,384
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,548
−HK$1,180/mo
Today · 4.125%
HK$45,728
baseline
▲ 0.50% · 4.625%
HK$48,138
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,456/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,139
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,699
−HK$1,585/mo
Today · 4.125%
HK$53,284
baseline
▲ 0.50% · 4.625%
HK$56,526
+HK$3,242/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,568/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,780
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,275
−HK$1,518/mo
Today · 4.125%
HK$58,793
baseline
▲ 0.50% · 4.625%
HK$61,892
+HK$3,099/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,586/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,094 · Scale 2, in force from 26 Feb 2026)