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$22,855
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,566
−HK$723/mo
Today · 4.125%
HK$24,289
baseline
▲ 0.50% · 4.625%
HK$25,767
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,578/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,426
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,108
−HK$692/mo
Today · 4.125%
HK$26,800
baseline
▲ 0.50% · 4.625%
HK$28,213
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,600/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,427
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,280
−HK$866/mo
Today · 4.125%
HK$29,146
baseline
▲ 0.50% · 4.625%
HK$30,920
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,292/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,512
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,330
−HK$830/mo
Today · 4.125%
HK$32,160
baseline
▲ 0.50% · 4.625%
HK$33,855
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,320/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,998
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,993
−HK$1,011/mo
Today · 4.125%
HK$34,004
baseline
▲ 0.50% · 4.625%
HK$36,073
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,008/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,597
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,552
−HK$968/mo
Today · 4.125%
HK$37,520
baseline
▲ 0.50% · 4.625%
HK$39,498
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,040/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,140
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,419
−HK$1,301/mo
Today · 4.125%
HK$43,720
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,440/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,768
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,995
−HK$1,245/mo
Today · 4.125%
HK$48,240
baseline
▲ 0.50% · 4.625%
HK$50,783
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,480/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,319 · Scale 2, in force from 26 Feb 2026)