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$22,871
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,583
−HK$723/mo
Today · 4.125%
HK$24,306
baseline
▲ 0.50% · 4.625%
HK$25,785
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,612/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,127
−HK$692/mo
Today · 4.125%
HK$26,819
baseline
▲ 0.50% · 4.625%
HK$28,233
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,638/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,446
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,299
−HK$868/mo
Today · 4.125%
HK$29,167
baseline
▲ 0.50% · 4.625%
HK$30,942
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,334/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,533
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,352
−HK$831/mo
Today · 4.125%
HK$32,183
baseline
▲ 0.50% · 4.625%
HK$33,879
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,366/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,020
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,016
−HK$1,012/mo
Today · 4.125%
HK$34,028
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,056/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,622
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,577
−HK$969/mo
Today · 4.125%
HK$37,546
baseline
▲ 0.50% · 4.625%
HK$39,526
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,092/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,449
−HK$1,301/mo
Today · 4.125%
HK$43,750
baseline
▲ 0.50% · 4.625%
HK$46,412
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,500/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,800
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,028
−HK$1,246/mo
Today · 4.125%
HK$48,274
baseline
▲ 0.50% · 4.625%
HK$50,819
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,548/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,021 · Scale 2, in force from 26 Feb 2026)