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$29,530
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,449
−HK$933/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,292
+HK$1,910/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,852
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,733
−HK$894/mo
Today · 4.125%
HK$34,627
baseline
▲ 0.50% · 4.625%
HK$36,453
+HK$1,826/mo
Deposit HK$6.48M · loan HK$6.48M · min. income ≈ HK$69,254/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$485,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,437
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$36,539
−HK$1,120/mo
Today · 4.125%
HK$37,659
baseline
▲ 0.50% · 4.625%
HK$39,950
+HK$2,291/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$75,318/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,423
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,480
−HK$1,073/mo
Today · 4.125%
HK$41,553
baseline
▲ 0.50% · 4.625%
HK$43,743
+HK$2,190/mo
Deposit HK$5.18M · loan HK$7.77M · min. income ≈ HK$83,106/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$485,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,343
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,629
−HK$1,306/mo
Today · 4.125%
HK$43,935
baseline
▲ 0.50% · 4.625%
HK$46,609
+HK$2,674/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$87,870/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,993
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,227
−HK$1,251/mo
Today · 4.125%
HK$48,478
baseline
▲ 0.50% · 4.625%
HK$51,034
+HK$2,556/mo
Deposit HK$3.89M · loan HK$9.07M · min. income ≈ HK$96,956/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$485,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,155
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,808
−HK$1,680/mo
Today · 4.125%
HK$56,488
baseline
▲ 0.50% · 4.625%
HK$59,925
+HK$3,437/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$112,976/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,134
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,720
−HK$1,609/mo
Today · 4.125%
HK$62,329
baseline
▲ 0.50% · 4.625%
HK$65,615
+HK$3,286/mo
Deposit HK$1.30M · loan HK$11.66M · min. income ≈ HK$124,658/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$485,644 · Scale 2, in force from 26 Feb 2026)