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$22,905
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,618
−HK$724/mo
Today · 4.125%
HK$24,342
baseline
▲ 0.50% · 4.625%
HK$25,823
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,684/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,482
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,165
−HK$694/mo
Today · 4.125%
HK$26,859
baseline
▲ 0.50% · 4.625%
HK$28,275
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,718/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,487
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,342
−HK$868/mo
Today · 4.125%
HK$29,210
baseline
▲ 0.50% · 4.625%
HK$30,988
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,420/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,578
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,399
−HK$832/mo
Today · 4.125%
HK$32,231
baseline
▲ 0.50% · 4.625%
HK$33,929
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,462/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,068
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,065
−HK$1,014/mo
Today · 4.125%
HK$34,079
baseline
▲ 0.50% · 4.625%
HK$36,152
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,158/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,675
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,632
−HK$970/mo
Today · 4.125%
HK$37,602
baseline
▲ 0.50% · 4.625%
HK$39,584
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,204/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,230
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,512
−HK$1,303/mo
Today · 4.125%
HK$43,815
baseline
▲ 0.50% · 4.625%
HK$46,481
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,630/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,868
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,098
−HK$1,248/mo
Today · 4.125%
HK$48,346
baseline
▲ 0.50% · 4.625%
HK$50,894
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,692/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,512 · Scale 2, in force from 26 Feb 2026)