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$22,908
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$723/mo
Today · 4.125%
HK$24,344
baseline
▲ 0.50% · 4.625%
HK$25,826
+HK$1,482/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,688/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,485
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,168
−HK$694/mo
Today · 4.125%
HK$26,862
baseline
▲ 0.50% · 4.625%
HK$28,278
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,724/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,490
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,345
−HK$868/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,991
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,582
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$832/mo
Today · 4.125%
HK$32,234
baseline
▲ 0.50% · 4.625%
HK$33,933
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,468/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,071
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,069
−HK$1,013/mo
Today · 4.125%
HK$34,082
baseline
▲ 0.50% · 4.625%
HK$36,156
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,164/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,679
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,636
−HK$970/mo
Today · 4.125%
HK$37,606
baseline
▲ 0.50% · 4.625%
HK$39,589
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,212/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,234
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,517
−HK$1,303/mo
Today · 4.125%
HK$43,820
baseline
▲ 0.50% · 4.625%
HK$46,486
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,640/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,873
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,103
−HK$1,248/mo
Today · 4.125%
HK$48,351
baseline
▲ 0.50% · 4.625%
HK$50,900
+HK$2,549/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,702/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,622 · Scale 2, in force from 26 Feb 2026)