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$22,901
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,613
−HK$724/mo
Today · 4.125%
HK$24,337
baseline
▲ 0.50% · 4.625%
HK$25,818
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,674/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,477
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$693/mo
Today · 4.125%
HK$26,853
baseline
▲ 0.50% · 4.625%
HK$28,269
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,706/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,481
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,336
−HK$868/mo
Today · 4.125%
HK$29,204
baseline
▲ 0.50% · 4.625%
HK$30,981
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,408/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,572
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,392
−HK$832/mo
Today · 4.125%
HK$32,224
baseline
▲ 0.50% · 4.625%
HK$33,923
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,448/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,061
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,058
−HK$1,014/mo
Today · 4.125%
HK$34,072
baseline
▲ 0.50% · 4.625%
HK$36,145
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,144/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,668
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,624
−HK$971/mo
Today · 4.125%
HK$37,595
baseline
▲ 0.50% · 4.625%
HK$39,576
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,190/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,222
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,504
−HK$1,303/mo
Today · 4.125%
HK$43,807
baseline
▲ 0.50% · 4.625%
HK$46,472
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,614/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,859
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,088
−HK$1,248/mo
Today · 4.125%
HK$48,336
baseline
▲ 0.50% · 4.625%
HK$50,884
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,672/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,311 · Scale 2, in force from 26 Feb 2026)