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$22,864
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,575
−HK$722/mo
Today · 4.125%
HK$24,297
baseline
▲ 0.50% · 4.625%
HK$25,776
+HK$1,479/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,594/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,436
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,118
−HK$692/mo
Today · 4.125%
HK$26,810
baseline
▲ 0.50% · 4.625%
HK$28,223
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,620/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,436
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,290
−HK$867/mo
Today · 4.125%
HK$29,157
baseline
▲ 0.50% · 4.625%
HK$30,931
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,314/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,523
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,341
−HK$831/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$33,868
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,009
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$1,011/mo
Today · 4.125%
HK$34,016
baseline
▲ 0.50% · 4.625%
HK$36,086
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,032/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,610
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,565
−HK$969/mo
Today · 4.125%
HK$37,534
baseline
▲ 0.50% · 4.625%
HK$39,512
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,068/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,155
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,435
−HK$1,300/mo
Today · 4.125%
HK$43,735
baseline
▲ 0.50% · 4.625%
HK$46,397
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,470/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,784
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,012
−HK$1,246/mo
Today · 4.125%
HK$48,258
baseline
▲ 0.50% · 4.625%
HK$50,801
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,516/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,681 · Scale 2, in force from 26 Feb 2026)