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$22,880
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,591
−HK$723/mo
Today · 4.125%
HK$24,314
baseline
▲ 0.50% · 4.625%
HK$25,794
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,628/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,453
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,136
−HK$692/mo
Today · 4.125%
HK$26,828
baseline
▲ 0.50% · 4.625%
HK$28,243
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,656/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,455
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,309
−HK$868/mo
Today · 4.125%
HK$29,177
baseline
▲ 0.50% · 4.625%
HK$30,952
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,354/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,544
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,363
−HK$831/mo
Today · 4.125%
HK$32,194
baseline
▲ 0.50% · 4.625%
HK$33,891
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,388/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,031
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,028
−HK$1,012/mo
Today · 4.125%
HK$34,040
baseline
▲ 0.50% · 4.625%
HK$36,111
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,080/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,635
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,590
−HK$970/mo
Today · 4.125%
HK$37,560
baseline
▲ 0.50% · 4.625%
HK$39,540
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,120/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,183
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,464
−HK$1,302/mo
Today · 4.125%
HK$43,766
baseline
▲ 0.50% · 4.625%
HK$46,429
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,532/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,816
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,045
−HK$1,246/mo
Today · 4.125%
HK$48,291
baseline
▲ 0.50% · 4.625%
HK$50,837
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,582/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,376 · Scale 2, in force from 26 Feb 2026)