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$27,851
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$28,717
−HK$880/mo
Today · 4.125%
HK$29,597
baseline
▲ 0.50% · 4.625%
HK$31,398
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,194/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$458,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,984
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,815
−HK$843/mo
Today · 4.125%
HK$32,658
baseline
▲ 0.50% · 4.625%
HK$34,379
+HK$1,721/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,316/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$458,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,421
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,461
−HK$1,056/mo
Today · 4.125%
HK$35,517
baseline
▲ 0.50% · 4.625%
HK$37,678
+HK$2,161/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,034/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,181
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,178
−HK$1,011/mo
Today · 4.125%
HK$39,189
baseline
▲ 0.50% · 4.625%
HK$41,255
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,378/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,991
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,204
−HK$1,232/mo
Today · 4.125%
HK$41,436
baseline
▲ 0.50% · 4.625%
HK$43,958
+HK$2,522/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,872/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,377
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,541
−HK$1,180/mo
Today · 4.125%
HK$45,721
baseline
▲ 0.50% · 4.625%
HK$48,131
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,442/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,132
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,691
−HK$1,584/mo
Today · 4.125%
HK$53,275
baseline
▲ 0.50% · 4.625%
HK$56,517
+HK$3,242/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,550/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,771
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,267
−HK$1,517/mo
Today · 4.125%
HK$58,784
baseline
▲ 0.50% · 4.625%
HK$61,883
+HK$3,099/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,568/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,022 · Scale 2, in force from 26 Feb 2026)