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$27,856
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,723
−HK$880/mo
Today · 4.125%
HK$29,603
baseline
▲ 0.50% · 4.625%
HK$31,404
+HK$1,801/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,206/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,990
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$31,821
−HK$843/mo
Today · 4.125%
HK$32,664
baseline
▲ 0.50% · 4.625%
HK$34,386
+HK$1,722/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,328/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,427
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,467
−HK$1,057/mo
Today · 4.125%
HK$35,524
baseline
▲ 0.50% · 4.625%
HK$37,685
+HK$2,161/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,048/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,188
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$38,185
−HK$1,012/mo
Today · 4.125%
HK$39,197
baseline
▲ 0.50% · 4.625%
HK$41,263
+HK$2,066/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,394/mo (50% DSR)
Upfront cash ≈ HK$5.34M (deposit + AVD stamp duty HK$458,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,999
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$40,212
−HK$1,232/mo
Today · 4.125%
HK$41,444
baseline
▲ 0.50% · 4.625%
HK$43,966
+HK$2,522/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$82,888/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,386
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$44,549
−HK$1,181/mo
Today · 4.125%
HK$45,730
baseline
▲ 0.50% · 4.625%
HK$48,140
+HK$2,410/mo
Deposit HK$3.66M · loan HK$8.55M · min. income ≈ HK$91,460/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,141
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,701
−HK$1,584/mo
Today · 4.125%
HK$53,285
baseline
▲ 0.50% · 4.625%
HK$56,528
+HK$3,243/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$106,570/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,782
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,278
−HK$1,517/mo
Today · 4.125%
HK$58,795
baseline
▲ 0.50% · 4.625%
HK$61,894
+HK$3,099/mo
Deposit HK$1.22M · loan HK$10.99M · min. income ≈ HK$117,590/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,110 · Scale 2, in force from 26 Feb 2026)