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$22,850
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,561
−HK$722/mo
Today · 4.125%
HK$24,283
baseline
▲ 0.50% · 4.625%
HK$25,760
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,566/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,420
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$692/mo
Today · 4.125%
HK$26,794
baseline
▲ 0.50% · 4.625%
HK$28,206
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,588/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,420
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,273
−HK$866/mo
Today · 4.125%
HK$29,139
baseline
▲ 0.50% · 4.625%
HK$30,913
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,278/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,504
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,323
−HK$829/mo
Today · 4.125%
HK$32,152
baseline
▲ 0.50% · 4.625%
HK$33,847
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,304/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,990
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,985
−HK$1,011/mo
Today · 4.125%
HK$33,996
baseline
▲ 0.50% · 4.625%
HK$36,065
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,992/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,589
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,543
−HK$968/mo
Today · 4.125%
HK$37,511
baseline
▲ 0.50% · 4.625%
HK$39,489
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,022/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,130
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,409
−HK$1,300/mo
Today · 4.125%
HK$43,709
baseline
▲ 0.50% · 4.625%
HK$46,369
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,418/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,757
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,984
−HK$1,245/mo
Today · 4.125%
HK$48,229
baseline
▲ 0.50% · 4.625%
HK$50,771
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,458/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,080 · Scale 2, in force from 26 Feb 2026)