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$22,863
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,574
−HK$722/mo
Today · 4.125%
HK$24,296
baseline
▲ 0.50% · 4.625%
HK$25,775
+HK$1,479/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,592/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,117
−HK$692/mo
Today · 4.125%
HK$26,809
baseline
▲ 0.50% · 4.625%
HK$28,222
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,618/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,435
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,289
−HK$867/mo
Today · 4.125%
HK$29,156
baseline
▲ 0.50% · 4.625%
HK$30,930
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,312/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,521
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,340
−HK$830/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$33,866
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,340/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,008
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,003
−HK$1,012/mo
Today · 4.125%
HK$34,015
baseline
▲ 0.50% · 4.625%
HK$36,085
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,030/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,608
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,563
−HK$969/mo
Today · 4.125%
HK$37,532
baseline
▲ 0.50% · 4.625%
HK$39,510
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,064/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,153
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,433
−HK$1,300/mo
Today · 4.125%
HK$43,733
baseline
▲ 0.50% · 4.625%
HK$46,394
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,466/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,782
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,010
−HK$1,245/mo
Today · 4.125%
HK$48,255
baseline
▲ 0.50% · 4.625%
HK$50,799
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,510/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,635 · Scale 2, in force from 26 Feb 2026)