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$22,843
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,554
−HK$721/mo
Today · 4.125%
HK$24,275
baseline
▲ 0.50% · 4.625%
HK$25,753
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,550/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,413
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,094
−HK$692/mo
Today · 4.125%
HK$26,786
baseline
▲ 0.50% · 4.625%
HK$28,197
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,572/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,412
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,264
−HK$867/mo
Today · 4.125%
HK$29,131
baseline
▲ 0.50% · 4.625%
HK$30,903
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,262/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,313
−HK$830/mo
Today · 4.125%
HK$32,143
baseline
▲ 0.50% · 4.625%
HK$33,837
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,286/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,980
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,975
−HK$1,011/mo
Today · 4.125%
HK$33,986
baseline
▲ 0.50% · 4.625%
HK$36,054
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,972/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,578
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,532
−HK$968/mo
Today · 4.125%
HK$37,500
baseline
▲ 0.50% · 4.625%
HK$39,476
+HK$1,976/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,000/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,117
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,396
−HK$1,300/mo
Today · 4.125%
HK$43,696
baseline
▲ 0.50% · 4.625%
HK$46,355
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,392/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,743
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,969
−HK$1,245/mo
Today · 4.125%
HK$48,214
baseline
▲ 0.50% · 4.625%
HK$50,755
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,428/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,774 · Scale 2, in force from 26 Feb 2026)