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$1,581/mo
▼ 0.25% · 3.875%
HK$25,999
−HK$797/mo
Today · 4.125%
HK$26,796
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,592/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,051
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,803
−HK$763/mo
Today · 4.125%
HK$29,566
baseline
▲ 0.50% · 4.625%
HK$31,125
+HK$1,559/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,132/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,257
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,199
−HK$956/mo
Today · 4.125%
HK$32,155
baseline
▲ 0.50% · 4.625%
HK$34,111
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,310/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,661
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,564
−HK$916/mo
Today · 4.125%
HK$35,480
baseline
▲ 0.50% · 4.625%
HK$37,350
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,960/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,300
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$36,398
−HK$1,116/mo
Today · 4.125%
HK$37,514
baseline
▲ 0.50% · 4.625%
HK$39,797
+HK$2,283/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,028/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,271
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$40,325
−HK$1,068/mo
Today · 4.125%
HK$41,393
baseline
▲ 0.50% · 4.625%
HK$43,575
+HK$2,182/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,786/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,386
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,798
−HK$1,434/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$51,167
+HK$2,935/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,492
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,846
−HK$1,374/mo
Today · 4.125%
HK$53,220
baseline
▲ 0.50% · 4.625%
HK$56,025
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,440/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,666 · Scale 2, in force from 26 Feb 2026)