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$25,781
+HK$1,479/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$372,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$692/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$372,863 · 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$30,937
+HK$1,775/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$372,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,528
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,347
−HK$831/mo
Today · 4.125%
HK$32,178
baseline
▲ 0.50% · 4.625%
HK$33,874
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,356/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,015
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$1,012/mo
Today · 4.125%
HK$34,023
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,046/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,616
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$969/mo
Today · 4.125%
HK$37,541
baseline
▲ 0.50% · 4.625%
HK$39,519
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,082/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,863 · 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$372,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,792
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,021
−HK$1,245/mo
Today · 4.125%
HK$48,266
baseline
▲ 0.50% · 4.625%
HK$50,811
+HK$2,545/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$372,863 · Scale 2, in force from 26 Feb 2026)