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$27,868
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$28,734
−HK$881/mo
Today · 4.125%
HK$29,615
baseline
▲ 0.50% · 4.625%
HK$31,417
+HK$1,802/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,230/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,002
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,834
−HK$843/mo
Today · 4.125%
HK$32,677
baseline
▲ 0.50% · 4.625%
HK$34,400
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,354/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,441
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$34,481
−HK$1,057/mo
Today · 4.125%
HK$35,538
baseline
▲ 0.50% · 4.625%
HK$37,701
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$71,076/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,203
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$38,201
−HK$1,012/mo
Today · 4.125%
HK$39,213
baseline
▲ 0.50% · 4.625%
HK$41,280
+HK$2,067/mo
Deposit HK$4.89M · loan HK$7.33M · min. income ≈ HK$78,426/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,015
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$40,228
−HK$1,233/mo
Today · 4.125%
HK$41,461
baseline
▲ 0.50% · 4.625%
HK$43,984
+HK$2,523/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$82,922/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,403
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,567
−HK$1,181/mo
Today · 4.125%
HK$45,748
baseline
▲ 0.50% · 4.625%
HK$48,160
+HK$2,412/mo
Deposit HK$3.67M · loan HK$8.55M · min. income ≈ HK$91,496/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$458,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,162
−HK$3,145/mo
▼ 0.25% · 3.875%
HK$51,722
−HK$1,585/mo
Today · 4.125%
HK$53,307
baseline
▲ 0.50% · 4.625%
HK$56,551
+HK$3,244/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,614/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,804
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,301
−HK$1,518/mo
Today · 4.125%
HK$58,819
baseline
▲ 0.50% · 4.625%
HK$61,920
+HK$3,101/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,638/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,297 · Scale 2, in force from 26 Feb 2026)