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$22,897
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,609
−HK$724/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,813
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$374,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,473
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,156
−HK$693/mo
Today · 4.125%
HK$26,849
baseline
▲ 0.50% · 4.625%
HK$28,264
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,698/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$374,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,476
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,331
−HK$868/mo
Today · 4.125%
HK$29,199
baseline
▲ 0.50% · 4.625%
HK$30,976
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,398/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,567
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$832/mo
Today · 4.125%
HK$32,219
baseline
▲ 0.50% · 4.625%
HK$33,917
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,438/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,056
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,053
−HK$1,013/mo
Today · 4.125%
HK$34,066
baseline
▲ 0.50% · 4.625%
HK$36,139
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,132/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,662
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,618
−HK$970/mo
Today · 4.125%
HK$37,588
baseline
▲ 0.50% · 4.625%
HK$39,570
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,176/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,215
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,497
−HK$1,302/mo
Today · 4.125%
HK$43,799
baseline
▲ 0.50% · 4.625%
HK$46,464
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,598/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,851
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,081
−HK$1,247/mo
Today · 4.125%
HK$48,328
baseline
▲ 0.50% · 4.625%
HK$50,875
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,656/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,143 · Scale 2, in force from 26 Feb 2026)