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$22,883
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,595
−HK$723/mo
Today · 4.125%
HK$24,318
baseline
▲ 0.50% · 4.625%
HK$25,798
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,636/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,457
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,140
−HK$693/mo
Today · 4.125%
HK$26,833
baseline
▲ 0.50% · 4.625%
HK$28,247
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,666/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,460
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,314
−HK$868/mo
Today · 4.125%
HK$29,182
baseline
▲ 0.50% · 4.625%
HK$30,958
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,364/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,549
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,368
−HK$831/mo
Today · 4.125%
HK$32,199
baseline
▲ 0.50% · 4.625%
HK$33,897
+HK$1,698/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,398/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,037
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,033
−HK$1,013/mo
Today · 4.125%
HK$34,046
baseline
▲ 0.50% · 4.625%
HK$36,117
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,092/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,640
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,596
−HK$970/mo
Today · 4.125%
HK$37,566
baseline
▲ 0.50% · 4.625%
HK$39,546
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,132/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,190
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,471
−HK$1,302/mo
Today · 4.125%
HK$43,773
baseline
▲ 0.50% · 4.625%
HK$46,436
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,546/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,823
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,052
−HK$1,247/mo
Today · 4.125%
HK$48,299
baseline
▲ 0.50% · 4.625%
HK$50,845
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,598/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,542 · Scale 2, in force from 26 Feb 2026)