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$27,866
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,733
−HK$881/mo
Today · 4.125%
HK$29,614
baseline
▲ 0.50% · 4.625%
HK$31,416
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,228/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,001
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,832
−HK$844/mo
Today · 4.125%
HK$32,676
baseline
▲ 0.50% · 4.625%
HK$34,398
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,352/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,440
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,480
−HK$1,057/mo
Today · 4.125%
HK$35,537
baseline
▲ 0.50% · 4.625%
HK$37,699
+HK$2,162/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,074/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,201
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,199
−HK$1,012/mo
Today · 4.125%
HK$39,211
baseline
▲ 0.50% · 4.625%
HK$41,278
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,422/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,013
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,226
−HK$1,233/mo
Today · 4.125%
HK$41,459
baseline
▲ 0.50% · 4.625%
HK$43,982
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,918/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,401
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,565
−HK$1,181/mo
Today · 4.125%
HK$45,746
baseline
▲ 0.50% · 4.625%
HK$48,158
+HK$2,412/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,492/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,159
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,720
−HK$1,585/mo
Today · 4.125%
HK$53,305
baseline
▲ 0.50% · 4.625%
HK$56,548
+HK$3,243/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,610/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,802
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,298
−HK$1,519/mo
Today · 4.125%
HK$58,817
baseline
▲ 0.50% · 4.625%
HK$61,917
+HK$3,100/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,634/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,277 · Scale 2, in force from 26 Feb 2026)