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$22,849
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,560
−HK$722/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,760
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,420
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$691/mo
Today · 4.125%
HK$26,793
baseline
▲ 0.50% · 4.625%
HK$28,205
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,586/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,419
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,272
−HK$867/mo
Today · 4.125%
HK$29,139
baseline
▲ 0.50% · 4.625%
HK$30,912
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,278/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,504
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,322
−HK$830/mo
Today · 4.125%
HK$32,152
baseline
▲ 0.50% · 4.625%
HK$33,847
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,304/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,989
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,984
−HK$1,011/mo
Today · 4.125%
HK$33,995
baseline
▲ 0.50% · 4.625%
HK$36,064
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,990/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,588
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,542
−HK$968/mo
Today · 4.125%
HK$37,510
baseline
▲ 0.50% · 4.625%
HK$39,488
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,020/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,129
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,408
−HK$1,300/mo
Today · 4.125%
HK$43,708
baseline
▲ 0.50% · 4.625%
HK$46,368
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,416/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,756
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,983
−HK$1,245/mo
Today · 4.125%
HK$48,228
baseline
▲ 0.50% · 4.625%
HK$50,770
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,456/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,058 · Scale 2, in force from 26 Feb 2026)