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$22,885
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,597
−HK$723/mo
Today · 4.125%
HK$24,320
baseline
▲ 0.50% · 4.625%
HK$25,800
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,640/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,459
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,142
−HK$693/mo
Today · 4.125%
HK$26,835
baseline
▲ 0.50% · 4.625%
HK$28,249
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,670/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,462
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,316
−HK$868/mo
Today · 4.125%
HK$29,184
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,368/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,551
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$831/mo
Today · 4.125%
HK$32,202
baseline
▲ 0.50% · 4.625%
HK$33,899
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,404/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,039
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,036
−HK$1,012/mo
Today · 4.125%
HK$34,048
baseline
▲ 0.50% · 4.625%
HK$36,120
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,096/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,643
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,599
−HK$970/mo
Today · 4.125%
HK$37,569
baseline
▲ 0.50% · 4.625%
HK$39,549
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,138/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,193
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,474
−HK$1,302/mo
Today · 4.125%
HK$43,776
baseline
▲ 0.50% · 4.625%
HK$46,440
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,552/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,827
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,056
−HK$1,247/mo
Today · 4.125%
HK$48,303
baseline
▲ 0.50% · 4.625%
HK$50,849
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,606/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,618 · Scale 2, in force from 26 Feb 2026)