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$22,868
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,579
−HK$723/mo
Today · 4.125%
HK$24,302
baseline
▲ 0.50% · 4.625%
HK$25,780
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,604/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$693/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,228
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,630/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,441
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,295
−HK$867/mo
Today · 4.125%
HK$29,162
baseline
▲ 0.50% · 4.625%
HK$30,936
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,324/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,528
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,347
−HK$830/mo
Today · 4.125%
HK$32,177
baseline
▲ 0.50% · 4.625%
HK$33,874
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,354/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,015
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$1,011/mo
Today · 4.125%
HK$34,022
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,044/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,616
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,571
−HK$969/mo
Today · 4.125%
HK$37,540
baseline
▲ 0.50% · 4.625%
HK$39,519
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,080/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,162
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,442
−HK$1,301/mo
Today · 4.125%
HK$43,743
baseline
▲ 0.50% · 4.625%
HK$46,405
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,486/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,792
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,020
−HK$1,246/mo
Today · 4.125%
HK$48,266
baseline
▲ 0.50% · 4.625%
HK$50,810
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,532/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,856 · Scale 2, in force from 26 Feb 2026)