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$22,916
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,629
−HK$724/mo
Today · 4.125%
HK$24,353
baseline
▲ 0.50% · 4.625%
HK$25,835
+HK$1,482/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,706/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,494
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,177
−HK$694/mo
Today · 4.125%
HK$26,871
baseline
▲ 0.50% · 4.625%
HK$28,287
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,742/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,499
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,354
−HK$869/mo
Today · 4.125%
HK$29,223
baseline
▲ 0.50% · 4.625%
HK$31,002
+HK$1,779/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,446/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,592
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,413
−HK$832/mo
Today · 4.125%
HK$32,245
baseline
▲ 0.50% · 4.625%
HK$33,945
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,490/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,082
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,080
−HK$1,014/mo
Today · 4.125%
HK$34,094
baseline
▲ 0.50% · 4.625%
HK$36,169
+HK$2,075/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,188/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,691
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,648
−HK$971/mo
Today · 4.125%
HK$37,619
baseline
▲ 0.50% · 4.625%
HK$39,602
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,238/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,248
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,532
−HK$1,303/mo
Today · 4.125%
HK$43,835
baseline
▲ 0.50% · 4.625%
HK$46,502
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,670/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,889
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,119
−HK$1,249/mo
Today · 4.125%
HK$48,368
baseline
▲ 0.50% · 4.625%
HK$50,917
+HK$2,549/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,736/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,967 · Scale 2, in force from 26 Feb 2026)