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$22,866
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,578
−HK$722/mo
Today · 4.125%
HK$24,300
baseline
▲ 0.50% · 4.625%
HK$25,779
+HK$1,479/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,600/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,439
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,121
−HK$692/mo
Today · 4.125%
HK$26,813
baseline
▲ 0.50% · 4.625%
HK$28,226
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,626/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,440
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,293
−HK$868/mo
Today · 4.125%
HK$29,161
baseline
▲ 0.50% · 4.625%
HK$30,935
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,322/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,526
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,345
−HK$831/mo
Today · 4.125%
HK$32,176
baseline
▲ 0.50% · 4.625%
HK$33,872
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,352/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,013
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,009
−HK$1,012/mo
Today · 4.125%
HK$34,021
baseline
▲ 0.50% · 4.625%
HK$36,091
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,042/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,614
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,569
−HK$969/mo
Today · 4.125%
HK$37,538
baseline
▲ 0.50% · 4.625%
HK$39,517
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,076/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,160
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,440
−HK$1,301/mo
Today · 4.125%
HK$43,741
baseline
▲ 0.50% · 4.625%
HK$46,402
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,482/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,790
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,018
−HK$1,246/mo
Today · 4.125%
HK$48,264
baseline
▲ 0.50% · 4.625%
HK$50,808
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,528/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,804 · Scale 2, in force from 26 Feb 2026)