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$22,853
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,564
−HK$722/mo
Today · 4.125%
HK$24,286
baseline
▲ 0.50% · 4.625%
HK$25,764
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,572/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,423
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,105
−HK$692/mo
Today · 4.125%
HK$26,797
baseline
▲ 0.50% · 4.625%
HK$28,210
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,594/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,423
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,276
−HK$867/mo
Today · 4.125%
HK$29,143
baseline
▲ 0.50% · 4.625%
HK$30,916
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,286/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,508
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,326
−HK$830/mo
Today · 4.125%
HK$32,156
baseline
▲ 0.50% · 4.625%
HK$33,851
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,312/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,994
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,989
−HK$1,011/mo
Today · 4.125%
HK$34,000
baseline
▲ 0.50% · 4.625%
HK$36,069
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,000/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,593
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$969/mo
Today · 4.125%
HK$37,516
baseline
▲ 0.50% · 4.625%
HK$39,493
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,032/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,135
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,415
−HK$1,300/mo
Today · 4.125%
HK$43,715
baseline
▲ 0.50% · 4.625%
HK$46,374
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,430/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,762
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,990
−HK$1,245/mo
Today · 4.125%
HK$48,235
baseline
▲ 0.50% · 4.625%
HK$50,777
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,470/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,203 · Scale 2, in force from 26 Feb 2026)