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$25,219
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$26,003
−HK$797/mo
Today · 4.125%
HK$26,800
baseline
▲ 0.50% · 4.625%
HK$28,431
+HK$1,631/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,600/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,056
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,808
−HK$763/mo
Today · 4.125%
HK$29,571
baseline
▲ 0.50% · 4.625%
HK$31,130
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,142/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,263
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$956/mo
Today · 4.125%
HK$32,160
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,957/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$64,320/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,667
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,570
−HK$916/mo
Today · 4.125%
HK$35,486
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.64M · min. income ≈ HK$70,972/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,306
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,405
−HK$1,115/mo
Today · 4.125%
HK$37,520
baseline
▲ 0.50% · 4.625%
HK$39,803
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,040/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,278
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,331
−HK$1,069/mo
Today · 4.125%
HK$41,400
baseline
▲ 0.50% · 4.625%
HK$43,582
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,800/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,394
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,806
−HK$1,434/mo
Today · 4.125%
HK$48,240
baseline
▲ 0.50% · 4.625%
HK$51,176
+HK$2,936/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,480/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,500
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,855
−HK$1,373/mo
Today · 4.125%
HK$53,228
baseline
▲ 0.50% · 4.625%
HK$56,034
+HK$2,806/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,456/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,736 · Scale 2, in force from 26 Feb 2026)