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$25,204
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,988
−HK$797/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,415
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,040
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,792
−HK$763/mo
Today · 4.125%
HK$29,555
baseline
▲ 0.50% · 4.625%
HK$31,112
+HK$1,557/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,110/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,245
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,186
−HK$956/mo
Today · 4.125%
HK$32,142
baseline
▲ 0.50% · 4.625%
HK$34,098
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,284/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,648
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,550
−HK$915/mo
Today · 4.125%
HK$35,465
baseline
▲ 0.50% · 4.625%
HK$37,335
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,930/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,286
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,384
−HK$1,115/mo
Today · 4.125%
HK$37,499
baseline
▲ 0.50% · 4.625%
HK$39,781
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$74,998/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,256
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,308
−HK$1,068/mo
Today · 4.125%
HK$41,376
baseline
▲ 0.50% · 4.625%
HK$43,557
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,752/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,368
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,779
−HK$1,434/mo
Today · 4.125%
HK$48,213
baseline
▲ 0.50% · 4.625%
HK$51,147
+HK$2,934/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,426/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,471
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,825
−HK$1,373/mo
Today · 4.125%
HK$53,198
baseline
▲ 0.50% · 4.625%
HK$56,002
+HK$2,804/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,396/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,500 · Scale 2, in force from 26 Feb 2026)