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$22,899
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,611
−HK$724/mo
Today · 4.125%
HK$24,335
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,670/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,475
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,158
−HK$693/mo
Today · 4.125%
HK$26,851
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,702/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,479
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,333
−HK$869/mo
Today · 4.125%
HK$29,202
baseline
▲ 0.50% · 4.625%
HK$30,979
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,404/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,570
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,390
−HK$831/mo
Today · 4.125%
HK$32,221
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,442/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,059
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,056
−HK$1,013/mo
Today · 4.125%
HK$34,069
baseline
▲ 0.50% · 4.625%
HK$36,142
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,138/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,665
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,621
−HK$971/mo
Today · 4.125%
HK$37,592
baseline
▲ 0.50% · 4.625%
HK$39,573
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,184/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,218
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,500
−HK$1,303/mo
Today · 4.125%
HK$43,803
baseline
▲ 0.50% · 4.625%
HK$46,468
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,606/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,855
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,085
−HK$1,247/mo
Today · 4.125%
HK$48,332
baseline
▲ 0.50% · 4.625%
HK$50,880
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,664/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,227 · Scale 2, in force from 26 Feb 2026)