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$22,908
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$724/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,826
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,485
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,169
−HK$693/mo
Today · 4.125%
HK$26,862
baseline
▲ 0.50% · 4.625%
HK$28,278
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,724/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,490
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,345
−HK$869/mo
Today · 4.125%
HK$29,214
baseline
▲ 0.50% · 4.625%
HK$30,991
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,428/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,582
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$832/mo
Today · 4.125%
HK$32,234
baseline
▲ 0.50% · 4.625%
HK$33,934
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,468/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,072
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,069
−HK$1,014/mo
Today · 4.125%
HK$34,083
baseline
▲ 0.50% · 4.625%
HK$36,157
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,166/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,679
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,636
−HK$971/mo
Today · 4.125%
HK$37,607
baseline
▲ 0.50% · 4.625%
HK$39,589
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,214/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,235
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,517
−HK$1,304/mo
Today · 4.125%
HK$43,821
baseline
▲ 0.50% · 4.625%
HK$46,487
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,642/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,873
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,104
−HK$1,248/mo
Today · 4.125%
HK$48,352
baseline
▲ 0.50% · 4.625%
HK$50,900
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,704/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,635 · Scale 2, in force from 26 Feb 2026)