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$22,914
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,626
−HK$724/mo
Today · 4.125%
HK$24,350
baseline
▲ 0.50% · 4.625%
HK$25,832
+HK$1,482/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,700/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,491
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,175
−HK$693/mo
Today · 4.125%
HK$26,868
baseline
▲ 0.50% · 4.625%
HK$28,285
+HK$1,417/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,736/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,496
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,352
−HK$868/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,998
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,410
−HK$832/mo
Today · 4.125%
HK$32,242
baseline
▲ 0.50% · 4.625%
HK$33,941
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,484/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,079
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,077
−HK$1,014/mo
Today · 4.125%
HK$34,091
baseline
▲ 0.50% · 4.625%
HK$36,165
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,182/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,687
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$36,645
−HK$971/mo
Today · 4.125%
HK$37,616
baseline
▲ 0.50% · 4.625%
HK$39,598
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,232/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,244
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,527
−HK$1,304/mo
Today · 4.125%
HK$43,831
baseline
▲ 0.50% · 4.625%
HK$46,498
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,662/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,884
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,115
−HK$1,248/mo
Today · 4.125%
HK$48,363
baseline
▲ 0.50% · 4.625%
HK$50,912
+HK$2,549/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,726/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,867 · Scale 2, in force from 26 Feb 2026)