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$22,873
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,584
−HK$723/mo
Today · 4.125%
HK$24,307
baseline
▲ 0.50% · 4.625%
HK$25,786
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,614/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,446
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,128
−HK$693/mo
Today · 4.125%
HK$26,821
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,413/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,642/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,447
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$868/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,944
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,535
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,354
−HK$831/mo
Today · 4.125%
HK$32,185
baseline
▲ 0.50% · 4.625%
HK$33,881
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,370/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,022
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,018
−HK$1,012/mo
Today · 4.125%
HK$34,030
baseline
▲ 0.50% · 4.625%
HK$36,101
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,060/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,624
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,580
−HK$969/mo
Today · 4.125%
HK$37,549
baseline
▲ 0.50% · 4.625%
HK$39,528
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,098/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,171
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,452
−HK$1,301/mo
Today · 4.125%
HK$43,753
baseline
▲ 0.50% · 4.625%
HK$46,415
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,506/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,803
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,031
−HK$1,246/mo
Today · 4.125%
HK$48,277
baseline
▲ 0.50% · 4.625%
HK$50,822
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,554/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,084 · Scale 2, in force from 26 Feb 2026)