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$22,854
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,565
−HK$723/mo
Today · 4.125%
HK$24,288
baseline
▲ 0.50% · 4.625%
HK$25,765
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,576/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,425
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,107
−HK$692/mo
Today · 4.125%
HK$26,799
baseline
▲ 0.50% · 4.625%
HK$28,211
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,598/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,425
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,278
−HK$867/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,918
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,510
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$830/mo
Today · 4.125%
HK$32,159
baseline
▲ 0.50% · 4.625%
HK$33,854
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,318/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,996
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$1,012/mo
Today · 4.125%
HK$34,003
baseline
▲ 0.50% · 4.625%
HK$36,072
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,006/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,595
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,550
−HK$968/mo
Today · 4.125%
HK$37,518
baseline
▲ 0.50% · 4.625%
HK$39,496
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,036/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,138
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,417
−HK$1,301/mo
Today · 4.125%
HK$43,718
baseline
▲ 0.50% · 4.625%
HK$46,378
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,436/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,765
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,993
−HK$1,245/mo
Today · 4.125%
HK$48,238
baseline
▲ 0.50% · 4.625%
HK$50,781
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,476/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,272 · Scale 2, in force from 26 Feb 2026)