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$22,827
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$721/mo
Today · 4.125%
HK$24,258
baseline
▲ 0.50% · 4.625%
HK$25,734
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,516/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,395
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,076
−HK$691/mo
Today · 4.125%
HK$26,767
baseline
▲ 0.50% · 4.625%
HK$28,178
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,534/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,392
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,244
−HK$866/mo
Today · 4.125%
HK$29,110
baseline
▲ 0.50% · 4.625%
HK$30,881
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,220/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,474
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,291
−HK$829/mo
Today · 4.125%
HK$32,120
baseline
▲ 0.50% · 4.625%
HK$33,813
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,240/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,958
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,952
−HK$1,010/mo
Today · 4.125%
HK$33,962
baseline
▲ 0.50% · 4.625%
HK$36,028
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,924/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,552
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,506
−HK$967/mo
Today · 4.125%
HK$37,473
baseline
▲ 0.50% · 4.625%
HK$39,449
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,946/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,088
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,366
−HK$1,299/mo
Today · 4.125%
HK$43,665
baseline
▲ 0.50% · 4.625%
HK$46,322
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,330/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,936
−HK$1,244/mo
Today · 4.125%
HK$48,180
baseline
▲ 0.50% · 4.625%
HK$50,720
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,360/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,065 · Scale 2, in force from 26 Feb 2026)