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$22,851
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,562
−HK$722/mo
Today · 4.125%
HK$24,284
baseline
▲ 0.50% · 4.625%
HK$25,762
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,568/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,422
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,104
−HK$691/mo
Today · 4.125%
HK$26,795
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,590/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,422
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,275
−HK$866/mo
Today · 4.125%
HK$29,141
baseline
▲ 0.50% · 4.625%
HK$30,914
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,282/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,506
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,325
−HK$830/mo
Today · 4.125%
HK$32,155
baseline
▲ 0.50% · 4.625%
HK$33,849
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,310/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,992
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,987
−HK$1,011/mo
Today · 4.125%
HK$33,998
baseline
▲ 0.50% · 4.625%
HK$36,067
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$67,996/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,591
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,545
−HK$969/mo
Today · 4.125%
HK$37,514
baseline
▲ 0.50% · 4.625%
HK$39,491
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,028/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,133
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,412
−HK$1,300/mo
Today · 4.125%
HK$43,712
baseline
▲ 0.50% · 4.625%
HK$46,372
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,424/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,760
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,987
−HK$1,245/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$50,774
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,144 · Scale 2, in force from 26 Feb 2026)