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$22,887
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,599
−HK$723/mo
Today · 4.125%
HK$24,322
baseline
▲ 0.50% · 4.625%
HK$25,802
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,644/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,461
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$693/mo
Today · 4.125%
HK$26,837
baseline
▲ 0.50% · 4.625%
HK$28,252
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,674/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,464
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$868/mo
Today · 4.125%
HK$29,186
baseline
▲ 0.50% · 4.625%
HK$30,962
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,372/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,554
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,373
−HK$831/mo
Today · 4.125%
HK$32,204
baseline
▲ 0.50% · 4.625%
HK$33,902
+HK$1,698/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,408/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,042
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,038
−HK$1,013/mo
Today · 4.125%
HK$34,051
baseline
▲ 0.50% · 4.625%
HK$36,123
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,102/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,646
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,602
−HK$970/mo
Today · 4.125%
HK$37,572
baseline
▲ 0.50% · 4.625%
HK$39,552
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,144/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,196
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,478
−HK$1,302/mo
Today · 4.125%
HK$43,780
baseline
▲ 0.50% · 4.625%
HK$46,443
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,560/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,830
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,060
−HK$1,246/mo
Today · 4.125%
HK$48,306
baseline
▲ 0.50% · 4.625%
HK$50,853
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,612/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,694 · Scale 2, in force from 26 Feb 2026)