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$22,881
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,593
−HK$723/mo
Today · 4.125%
HK$24,316
baseline
▲ 0.50% · 4.625%
HK$25,795
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,632/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,455
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$693/mo
Today · 4.125%
HK$26,830
baseline
▲ 0.50% · 4.625%
HK$28,244
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,660/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,457
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$868/mo
Today · 4.125%
HK$29,179
baseline
▲ 0.50% · 4.625%
HK$30,954
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,358/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,546
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,365
−HK$831/mo
Today · 4.125%
HK$32,196
baseline
▲ 0.50% · 4.625%
HK$33,893
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,392/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,033
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,030
−HK$1,012/mo
Today · 4.125%
HK$34,042
baseline
▲ 0.50% · 4.625%
HK$36,113
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,084/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,637
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,592
−HK$970/mo
Today · 4.125%
HK$37,562
baseline
▲ 0.50% · 4.625%
HK$39,542
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,124/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,186
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,467
−HK$1,301/mo
Today · 4.125%
HK$43,768
baseline
▲ 0.50% · 4.625%
HK$46,432
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,536/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,819
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,047
−HK$1,247/mo
Today · 4.125%
HK$48,294
baseline
▲ 0.50% · 4.625%
HK$50,840
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,588/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,436 · Scale 2, in force from 26 Feb 2026)