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$22,880
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,592
−HK$723/mo
Today · 4.125%
HK$24,315
baseline
▲ 0.50% · 4.625%
HK$25,794
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,630/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,454
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,136
−HK$693/mo
Today · 4.125%
HK$26,829
baseline
▲ 0.50% · 4.625%
HK$28,243
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,658/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,456
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,310
−HK$868/mo
Today · 4.125%
HK$29,178
baseline
▲ 0.50% · 4.625%
HK$30,953
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,356/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,544
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$831/mo
Today · 4.125%
HK$32,195
baseline
▲ 0.50% · 4.625%
HK$33,892
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,390/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,032
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,028
−HK$1,013/mo
Today · 4.125%
HK$34,041
baseline
▲ 0.50% · 4.625%
HK$36,112
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,082/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,635
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,591
−HK$969/mo
Today · 4.125%
HK$37,560
baseline
▲ 0.50% · 4.625%
HK$39,540
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,120/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,184
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,465
−HK$1,301/mo
Today · 4.125%
HK$43,766
baseline
▲ 0.50% · 4.625%
HK$46,430
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,532/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,817
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,045
−HK$1,247/mo
Today · 4.125%
HK$48,292
baseline
▲ 0.50% · 4.625%
HK$50,837
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,584/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,392 · Scale 2, in force from 26 Feb 2026)