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$22,893
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,605
−HK$724/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,809
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,468
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,151
−HK$693/mo
Today · 4.125%
HK$26,844
baseline
▲ 0.50% · 4.625%
HK$28,259
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,688/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,472
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,326
−HK$868/mo
Today · 4.125%
HK$29,194
baseline
▲ 0.50% · 4.625%
HK$30,971
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,388/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,562
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,382
−HK$831/mo
Today · 4.125%
HK$32,213
baseline
▲ 0.50% · 4.625%
HK$33,911
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,426/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,050
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,047
−HK$1,013/mo
Today · 4.125%
HK$34,060
baseline
▲ 0.50% · 4.625%
HK$36,133
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,120/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,656
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,612
−HK$970/mo
Today · 4.125%
HK$37,582
baseline
▲ 0.50% · 4.625%
HK$39,563
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,164/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,208
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,489
−HK$1,303/mo
Today · 4.125%
HK$43,792
baseline
▲ 0.50% · 4.625%
HK$46,456
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,584/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,843
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,073
−HK$1,247/mo
Today · 4.125%
HK$48,320
baseline
▲ 0.50% · 4.625%
HK$50,867
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,640/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,972 · Scale 2, in force from 26 Feb 2026)