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$22,875
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,586
−HK$723/mo
Today · 4.125%
HK$24,309
baseline
▲ 0.50% · 4.625%
HK$25,788
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,618/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,448
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,130
−HK$693/mo
Today · 4.125%
HK$26,823
baseline
▲ 0.50% · 4.625%
HK$28,237
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,646/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,450
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,303
−HK$868/mo
Today · 4.125%
HK$29,171
baseline
▲ 0.50% · 4.625%
HK$30,946
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,342/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,537
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,356
−HK$831/mo
Today · 4.125%
HK$32,187
baseline
▲ 0.50% · 4.625%
HK$33,884
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,374/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,025
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,021
−HK$1,012/mo
Today · 4.125%
HK$34,033
baseline
▲ 0.50% · 4.625%
HK$36,104
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,066/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,627
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,582
−HK$970/mo
Today · 4.125%
HK$37,552
baseline
▲ 0.50% · 4.625%
HK$39,531
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,104/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,174
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,455
−HK$1,301/mo
Today · 4.125%
HK$43,756
baseline
▲ 0.50% · 4.625%
HK$46,419
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,512/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,806
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,035
−HK$1,246/mo
Today · 4.125%
HK$48,281
baseline
▲ 0.50% · 4.625%
HK$50,826
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,562/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,162 · Scale 2, in force from 26 Feb 2026)