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$27,876
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$28,743
−HK$881/mo
Today · 4.125%
HK$29,624
baseline
▲ 0.50% · 4.625%
HK$31,427
+HK$1,803/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$59,248/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,012
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$31,844
−HK$843/mo
Today · 4.125%
HK$32,687
baseline
▲ 0.50% · 4.625%
HK$34,410
+HK$1,723/mo
Deposit HK$6.11M · loan HK$6.11M · min. income ≈ HK$65,374/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$458,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,451
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,492
−HK$1,057/mo
Today · 4.125%
HK$35,549
baseline
▲ 0.50% · 4.625%
HK$37,712
+HK$2,163/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$71,098/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,214
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,212
−HK$1,013/mo
Today · 4.125%
HK$39,225
baseline
▲ 0.50% · 4.625%
HK$41,293
+HK$2,068/mo
Deposit HK$4.89M · loan HK$7.34M · min. income ≈ HK$78,450/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$458,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,027
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$40,241
−HK$1,233/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,998
+HK$2,524/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,417
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$44,581
−HK$1,181/mo
Today · 4.125%
HK$45,762
baseline
▲ 0.50% · 4.625%
HK$48,175
+HK$2,413/mo
Deposit HK$3.67M · loan HK$8.56M · min. income ≈ HK$91,524/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$458,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,177
−HK$3,147/mo
▼ 0.25% · 3.875%
HK$51,738
−HK$1,586/mo
Today · 4.125%
HK$53,324
baseline
▲ 0.50% · 4.625%
HK$56,568
+HK$3,244/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$106,648/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,822
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$57,319
−HK$1,518/mo
Today · 4.125%
HK$58,837
baseline
▲ 0.50% · 4.625%
HK$61,939
+HK$3,102/mo
Deposit HK$1.22M · loan HK$11.00M · min. income ≈ HK$117,674/mo (50% DSR)
Upfront cash ≈ HK$1.68M (deposit + AVD stamp duty HK$458,439 · Scale 2, in force from 26 Feb 2026)