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$25,174
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$25,957
−HK$796/mo
Today · 4.125%
HK$26,753
baseline
▲ 0.50% · 4.625%
HK$28,380
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,506/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,006
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,757
−HK$762/mo
Today · 4.125%
HK$29,519
baseline
▲ 0.50% · 4.625%
HK$31,075
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,038/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,209
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,148
−HK$955/mo
Today · 4.125%
HK$32,103
baseline
▲ 0.50% · 4.625%
HK$34,057
+HK$1,954/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,206/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,607
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,508
−HK$915/mo
Today · 4.125%
HK$35,423
baseline
▲ 0.50% · 4.625%
HK$37,290
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,846/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,244
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$36,340
−HK$1,114/mo
Today · 4.125%
HK$37,454
baseline
▲ 0.50% · 4.625%
HK$39,733
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,908/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,208
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,260
−HK$1,066/mo
Today · 4.125%
HK$41,326
baseline
▲ 0.50% · 4.625%
HK$43,505
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,652/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,313
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,723
−HK$1,432/mo
Today · 4.125%
HK$48,155
baseline
▲ 0.50% · 4.625%
HK$51,085
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,310/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,411
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,762
−HK$1,372/mo
Today · 4.125%
HK$53,134
baseline
▲ 0.50% · 4.625%
HK$55,935
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,268/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,000 · Scale 2, in force from 26 Feb 2026)