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$27,873
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,740
−HK$881/mo
Today · 4.125%
HK$29,621
baseline
▲ 0.50% · 4.625%
HK$31,423
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,242/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,009
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,840
−HK$844/mo
Today · 4.125%
HK$32,684
baseline
▲ 0.50% · 4.625%
HK$34,407
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,368/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,448
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,488
−HK$1,057/mo
Today · 4.125%
HK$35,545
baseline
▲ 0.50% · 4.625%
HK$37,708
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,090/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,210
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,208
−HK$1,013/mo
Today · 4.125%
HK$39,221
baseline
▲ 0.50% · 4.625%
HK$41,288
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,442/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,022
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,236
−HK$1,233/mo
Today · 4.125%
HK$41,469
baseline
▲ 0.50% · 4.625%
HK$43,993
+HK$2,524/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,938/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,412
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,576
−HK$1,181/mo
Today · 4.125%
HK$45,757
baseline
▲ 0.50% · 4.625%
HK$48,169
+HK$2,412/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,514/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,172
−HK$3,146/mo
▼ 0.25% · 3.875%
HK$51,732
−HK$1,586/mo
Today · 4.125%
HK$53,318
baseline
▲ 0.50% · 4.625%
HK$56,562
+HK$3,244/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,636/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,815
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$57,312
−HK$1,519/mo
Today · 4.125%
HK$58,831
baseline
▲ 0.50% · 4.625%
HK$61,932
+HK$3,101/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,662/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,388 · Scale 2, in force from 26 Feb 2026)