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$22,828
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,538
−HK$722/mo
Today · 4.125%
HK$24,260
baseline
▲ 0.50% · 4.625%
HK$25,736
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,520/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,396
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,077
−HK$691/mo
Today · 4.125%
HK$26,768
baseline
▲ 0.50% · 4.625%
HK$28,179
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,536/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,394
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,246
−HK$866/mo
Today · 4.125%
HK$29,112
baseline
▲ 0.50% · 4.625%
HK$30,883
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,224/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,475
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$829/mo
Today · 4.125%
HK$32,122
baseline
▲ 0.50% · 4.625%
HK$33,815
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,244/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,959
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,954
−HK$1,010/mo
Today · 4.125%
HK$33,964
baseline
▲ 0.50% · 4.625%
HK$36,030
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,928/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,555
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,508
−HK$968/mo
Today · 4.125%
HK$37,476
baseline
▲ 0.50% · 4.625%
HK$39,451
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,952/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,091
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,369
−HK$1,299/mo
Today · 4.125%
HK$43,668
baseline
▲ 0.50% · 4.625%
HK$46,325
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,336/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,713
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,939
−HK$1,244/mo
Today · 4.125%
HK$48,183
baseline
▲ 0.50% · 4.625%
HK$50,723
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,366/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,125 · Scale 2, in force from 26 Feb 2026)