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$1,434/mo
▼ 0.25% · 3.875%
HK$23,582
−HK$723/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,784
+HK$1,479/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,126
−HK$692/mo
Today · 4.125%
HK$26,818
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,414/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,636/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,445
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,299
−HK$867/mo
Today · 4.125%
HK$29,166
baseline
▲ 0.50% · 4.625%
HK$30,941
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,332/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,532
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,351
−HK$831/mo
Today · 4.125%
HK$32,182
baseline
▲ 0.50% · 4.625%
HK$33,878
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,364/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,019
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,015
−HK$1,012/mo
Today · 4.125%
HK$34,027
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,054/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,621
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,576
−HK$970/mo
Today · 4.125%
HK$37,546
baseline
▲ 0.50% · 4.625%
HK$39,525
+HK$1,979/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$372,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,168
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,448
−HK$1,301/mo
Today · 4.125%
HK$43,749
baseline
▲ 0.50% · 4.625%
HK$46,411
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,498/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,799
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,027
−HK$1,246/mo
Today · 4.125%
HK$48,273
baseline
▲ 0.50% · 4.625%
HK$50,817
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,546/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,997 · Scale 2, in force from 26 Feb 2026)