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$22,884
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,596
−HK$723/mo
Today · 4.125%
HK$24,319
baseline
▲ 0.50% · 4.625%
HK$25,799
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,638/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,458
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$692/mo
Today · 4.125%
HK$26,833
baseline
▲ 0.50% · 4.625%
HK$28,248
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,666/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,461
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,315
−HK$868/mo
Today · 4.125%
HK$29,183
baseline
▲ 0.50% · 4.625%
HK$30,958
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,366/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,550
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,369
−HK$831/mo
Today · 4.125%
HK$32,200
baseline
▲ 0.50% · 4.625%
HK$33,897
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,400/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,037
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,034
−HK$1,012/mo
Today · 4.125%
HK$34,046
baseline
▲ 0.50% · 4.625%
HK$36,118
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,092/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,641
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,597
−HK$970/mo
Today · 4.125%
HK$37,567
baseline
▲ 0.50% · 4.625%
HK$39,547
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,134/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,191
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,472
−HK$1,302/mo
Today · 4.125%
HK$43,774
baseline
▲ 0.50% · 4.625%
HK$46,437
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,548/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,824
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,053
−HK$1,247/mo
Today · 4.125%
HK$48,300
baseline
▲ 0.50% · 4.625%
HK$50,846
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,600/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,565 · Scale 2, in force from 26 Feb 2026)