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$22,876
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,587
−HK$723/mo
Today · 4.125%
HK$24,310
baseline
▲ 0.50% · 4.625%
HK$25,789
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,620/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,449
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,132
−HK$692/mo
Today · 4.125%
HK$26,824
baseline
▲ 0.50% · 4.625%
HK$28,238
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,648/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,451
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,305
−HK$867/mo
Today · 4.125%
HK$29,172
baseline
▲ 0.50% · 4.625%
HK$30,947
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,344/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,539
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,358
−HK$831/mo
Today · 4.125%
HK$32,189
baseline
▲ 0.50% · 4.625%
HK$33,885
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,378/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,026
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,022
−HK$1,012/mo
Today · 4.125%
HK$34,034
baseline
▲ 0.50% · 4.625%
HK$36,105
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,068/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,629
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,584
−HK$970/mo
Today · 4.125%
HK$37,554
baseline
▲ 0.50% · 4.625%
HK$39,533
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,108/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,176
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,457
−HK$1,301/mo
Today · 4.125%
HK$43,758
baseline
▲ 0.50% · 4.625%
HK$46,421
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,516/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,808
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,037
−HK$1,246/mo
Today · 4.125%
HK$48,283
baseline
▲ 0.50% · 4.625%
HK$50,828
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,566/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,209 · Scale 2, in force from 26 Feb 2026)