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$25,215
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,000
−HK$797/mo
Today · 4.125%
HK$26,797
baseline
▲ 0.50% · 4.625%
HK$28,427
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,594/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,052
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,804
−HK$763/mo
Today · 4.125%
HK$29,567
baseline
▲ 0.50% · 4.625%
HK$31,126
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,134/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,258
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,200
−HK$956/mo
Today · 4.125%
HK$32,156
baseline
▲ 0.50% · 4.625%
HK$34,112
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,312/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,662
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,565
−HK$916/mo
Today · 4.125%
HK$35,481
baseline
▲ 0.50% · 4.625%
HK$37,351
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,962/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,301
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,400
−HK$1,115/mo
Today · 4.125%
HK$37,515
baseline
▲ 0.50% · 4.625%
HK$39,798
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,030/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,273
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,326
−HK$1,068/mo
Today · 4.125%
HK$41,394
baseline
▲ 0.50% · 4.625%
HK$43,576
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,788/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,388
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,799
−HK$1,435/mo
Today · 4.125%
HK$48,234
baseline
▲ 0.50% · 4.625%
HK$51,169
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,468/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,493
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,847
−HK$1,374/mo
Today · 4.125%
HK$53,221
baseline
▲ 0.50% · 4.625%
HK$56,027
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,442/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,680 · Scale 2, in force from 26 Feb 2026)