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$22,878
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,590
−HK$723/mo
Today · 4.125%
HK$24,313
baseline
▲ 0.50% · 4.625%
HK$25,792
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,626/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,452
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,134
−HK$693/mo
Today · 4.125%
HK$26,827
baseline
▲ 0.50% · 4.625%
HK$28,241
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,654/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,454
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,308
−HK$868/mo
Today · 4.125%
HK$29,176
baseline
▲ 0.50% · 4.625%
HK$30,951
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,352/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,542
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,361
−HK$831/mo
Today · 4.125%
HK$32,192
baseline
▲ 0.50% · 4.625%
HK$33,889
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,384/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,030
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,026
−HK$1,012/mo
Today · 4.125%
HK$34,038
baseline
▲ 0.50% · 4.625%
HK$36,109
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,076/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,633
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,588
−HK$970/mo
Today · 4.125%
HK$37,558
baseline
▲ 0.50% · 4.625%
HK$39,537
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,116/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,181
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,462
−HK$1,301/mo
Today · 4.125%
HK$43,763
baseline
▲ 0.50% · 4.625%
HK$46,426
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,526/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,813
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,042
−HK$1,246/mo
Today · 4.125%
HK$48,288
baseline
▲ 0.50% · 4.625%
HK$50,834
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,576/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,320 · Scale 2, in force from 26 Feb 2026)