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$22,838
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,548
−HK$722/mo
Today · 4.125%
HK$24,270
baseline
▲ 0.50% · 4.625%
HK$25,746
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,540/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,407
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,088
−HK$691/mo
Today · 4.125%
HK$26,779
baseline
▲ 0.50% · 4.625%
HK$28,191
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,558/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,405
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,258
−HK$866/mo
Today · 4.125%
HK$29,124
baseline
▲ 0.50% · 4.625%
HK$30,896
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,248/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,488
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,306
−HK$829/mo
Today · 4.125%
HK$32,135
baseline
▲ 0.50% · 4.625%
HK$33,829
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,270/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,973
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,967
−HK$1,011/mo
Today · 4.125%
HK$33,978
baseline
▲ 0.50% · 4.625%
HK$36,045
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,956/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,569
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,523
−HK$968/mo
Today · 4.125%
HK$37,491
baseline
▲ 0.50% · 4.625%
HK$39,467
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,982/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,108
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,386
−HK$1,299/mo
Today · 4.125%
HK$43,685
baseline
▲ 0.50% · 4.625%
HK$46,344
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,370/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,732
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,245/mo
Today · 4.125%
HK$48,203
baseline
▲ 0.50% · 4.625%
HK$50,743
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,406/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,536 · Scale 2, in force from 26 Feb 2026)