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$22,848
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,558
−HK$722/mo
Today · 4.125%
HK$24,280
baseline
▲ 0.50% · 4.625%
HK$25,758
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,560/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,418
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,099
−HK$692/mo
Today · 4.125%
HK$26,791
baseline
▲ 0.50% · 4.625%
HK$28,203
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,582/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,417
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,270
−HK$866/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,909
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,501
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$830/mo
Today · 4.125%
HK$32,149
baseline
▲ 0.50% · 4.625%
HK$33,844
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,298/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,987
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,981
−HK$1,011/mo
Today · 4.125%
HK$33,992
baseline
▲ 0.50% · 4.625%
HK$36,061
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,984/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,585
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,539
−HK$968/mo
Today · 4.125%
HK$37,507
baseline
▲ 0.50% · 4.625%
HK$39,484
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,014/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,126
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,405
−HK$1,299/mo
Today · 4.125%
HK$43,704
baseline
▲ 0.50% · 4.625%
HK$46,364
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,408/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,752
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,979
−HK$1,245/mo
Today · 4.125%
HK$48,224
baseline
▲ 0.50% · 4.625%
HK$50,765
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,448/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,971 · Scale 2, in force from 26 Feb 2026)