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$25,221
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,006
−HK$797/mo
Today · 4.125%
HK$26,803
baseline
▲ 0.50% · 4.625%
HK$28,434
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,606/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,058
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$28,811
−HK$763/mo
Today · 4.125%
HK$29,574
baseline
▲ 0.50% · 4.625%
HK$31,133
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,148/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,207
−HK$956/mo
Today · 4.125%
HK$32,163
baseline
▲ 0.50% · 4.625%
HK$34,120
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,326/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,670
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,573
−HK$916/mo
Today · 4.125%
HK$35,489
baseline
▲ 0.50% · 4.625%
HK$37,360
+HK$1,871/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,978/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,310
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,408
−HK$1,116/mo
Today · 4.125%
HK$37,524
baseline
▲ 0.50% · 4.625%
HK$39,807
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,048/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,282
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,335
−HK$1,069/mo
Today · 4.125%
HK$41,404
baseline
▲ 0.50% · 4.625%
HK$43,586
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,808/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,398
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,810
−HK$1,435/mo
Today · 4.125%
HK$48,245
baseline
▲ 0.50% · 4.625%
HK$51,181
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,490/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,505
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,859
−HK$1,375/mo
Today · 4.125%
HK$53,234
baseline
▲ 0.50% · 4.625%
HK$56,040
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,468/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,775 · Scale 2, in force from 26 Feb 2026)