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$22,854
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,565
−HK$722/mo
Today · 4.125%
HK$24,287
baseline
▲ 0.50% · 4.625%
HK$25,765
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,574/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,425
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,107
−HK$691/mo
Today · 4.125%
HK$26,798
baseline
▲ 0.50% · 4.625%
HK$28,211
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,596/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,425
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,278
−HK$867/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,918
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,510
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,328
−HK$830/mo
Today · 4.125%
HK$32,158
baseline
▲ 0.50% · 4.625%
HK$33,853
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,316/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,996
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$1,011/mo
Today · 4.125%
HK$34,002
baseline
▲ 0.50% · 4.625%
HK$36,071
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,004/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,595
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,549
−HK$969/mo
Today · 4.125%
HK$37,518
baseline
▲ 0.50% · 4.625%
HK$39,495
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,036/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,137
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,417
−HK$1,300/mo
Today · 4.125%
HK$43,717
baseline
▲ 0.50% · 4.625%
HK$46,377
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,434/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,765
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,992
−HK$1,245/mo
Today · 4.125%
HK$48,237
baseline
▲ 0.50% · 4.625%
HK$50,780
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,474/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,256 · Scale 2, in force from 26 Feb 2026)