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$22,909
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,622
−HK$724/mo
Today · 4.125%
HK$24,346
baseline
▲ 0.50% · 4.625%
HK$25,827
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,692/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,486
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,170
−HK$693/mo
Today · 4.125%
HK$26,863
baseline
▲ 0.50% · 4.625%
HK$28,279
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,726/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,491
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,346
−HK$869/mo
Today · 4.125%
HK$29,215
baseline
▲ 0.50% · 4.625%
HK$30,992
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,430/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,583
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,403
−HK$833/mo
Today · 4.125%
HK$32,236
baseline
▲ 0.50% · 4.625%
HK$33,935
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,472/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,073
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,070
−HK$1,014/mo
Today · 4.125%
HK$34,084
baseline
▲ 0.50% · 4.625%
HK$36,158
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,168/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,680
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,637
−HK$971/mo
Today · 4.125%
HK$37,608
baseline
▲ 0.50% · 4.625%
HK$39,591
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,216/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,236
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,519
−HK$1,303/mo
Today · 4.125%
HK$43,822
baseline
▲ 0.50% · 4.625%
HK$46,489
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,644/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,875
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,105
−HK$1,248/mo
Today · 4.125%
HK$48,353
baseline
▲ 0.50% · 4.625%
HK$50,902
+HK$2,549/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,706/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,668 · Scale 2, in force from 26 Feb 2026)