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$22,846
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,556
−HK$722/mo
Today · 4.125%
HK$24,278
baseline
▲ 0.50% · 4.625%
HK$25,756
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,556/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,416
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,097
−HK$692/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,201
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,415
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,268
−HK$866/mo
Today · 4.125%
HK$29,134
baseline
▲ 0.50% · 4.625%
HK$30,907
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,268/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,499
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,317
−HK$830/mo
Today · 4.125%
HK$32,147
baseline
▲ 0.50% · 4.625%
HK$33,841
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,294/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,984
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,979
−HK$1,011/mo
Today · 4.125%
HK$33,990
baseline
▲ 0.50% · 4.625%
HK$36,058
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,980/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,582
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,536
−HK$968/mo
Today · 4.125%
HK$37,504
baseline
▲ 0.50% · 4.625%
HK$39,481
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,008/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,123
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,402
−HK$1,299/mo
Today · 4.125%
HK$43,701
baseline
▲ 0.50% · 4.625%
HK$46,360
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,402/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,748
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,975
−HK$1,245/mo
Today · 4.125%
HK$48,220
baseline
▲ 0.50% · 4.625%
HK$50,762
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,440/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,898 · Scale 2, in force from 26 Feb 2026)