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$22,828
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,538
−HK$721/mo
Today · 4.125%
HK$24,259
baseline
▲ 0.50% · 4.625%
HK$25,735
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,518/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,396
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$691/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,179
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,536/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,393
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,245
−HK$866/mo
Today · 4.125%
HK$29,111
baseline
▲ 0.50% · 4.625%
HK$30,882
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,222/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,475
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,292
−HK$829/mo
Today · 4.125%
HK$32,121
baseline
▲ 0.50% · 4.625%
HK$33,814
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,242/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,959
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,953
−HK$1,010/mo
Today · 4.125%
HK$33,963
baseline
▲ 0.50% · 4.625%
HK$36,029
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,926/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,554
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,507
−HK$968/mo
Today · 4.125%
HK$37,475
baseline
▲ 0.50% · 4.625%
HK$39,450
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,950/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,090
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,368
−HK$1,299/mo
Today · 4.125%
HK$43,667
baseline
▲ 0.50% · 4.625%
HK$46,324
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,334/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,712
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,938
−HK$1,244/mo
Today · 4.125%
HK$48,182
baseline
▲ 0.50% · 4.625%
HK$50,722
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,364/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,104 · Scale 2, in force from 26 Feb 2026)