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$22,869
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,580
−HK$723/mo
Today · 4.125%
HK$24,303
baseline
▲ 0.50% · 4.625%
HK$25,782
+HK$1,479/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,606/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,442
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,124
−HK$692/mo
Today · 4.125%
HK$26,816
baseline
▲ 0.50% · 4.625%
HK$28,230
+HK$1,414/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,632/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,443
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,296
−HK$868/mo
Today · 4.125%
HK$29,164
baseline
▲ 0.50% · 4.625%
HK$30,938
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,328/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,530
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,349
−HK$830/mo
Today · 4.125%
HK$32,179
baseline
▲ 0.50% · 4.625%
HK$33,875
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,358/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,017
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,012
−HK$1,012/mo
Today · 4.125%
HK$34,024
baseline
▲ 0.50% · 4.625%
HK$36,095
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,048/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,618
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,573
−HK$969/mo
Today · 4.125%
HK$37,542
baseline
▲ 0.50% · 4.625%
HK$39,521
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,084/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,164
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,445
−HK$1,301/mo
Today · 4.125%
HK$43,746
baseline
▲ 0.50% · 4.625%
HK$46,407
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,492/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,795
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,023
−HK$1,246/mo
Today · 4.125%
HK$48,269
baseline
▲ 0.50% · 4.625%
HK$50,813
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,538/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,913 · Scale 2, in force from 26 Feb 2026)