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$22,881
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,593
−HK$723/mo
Today · 4.125%
HK$24,316
baseline
▲ 0.50% · 4.625%
HK$25,796
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,632/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,455
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,138
−HK$692/mo
Today · 4.125%
HK$26,830
baseline
▲ 0.50% · 4.625%
HK$28,245
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,660/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,457
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$868/mo
Today · 4.125%
HK$29,179
baseline
▲ 0.50% · 4.625%
HK$30,955
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,358/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,546
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,365
−HK$831/mo
Today · 4.125%
HK$32,196
baseline
▲ 0.50% · 4.625%
HK$33,893
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,392/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,034
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,030
−HK$1,012/mo
Today · 4.125%
HK$34,042
baseline
▲ 0.50% · 4.625%
HK$36,114
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,084/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,637
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,593
−HK$969/mo
Today · 4.125%
HK$37,562
baseline
▲ 0.50% · 4.625%
HK$39,542
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,124/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,186
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,467
−HK$1,302/mo
Today · 4.125%
HK$43,769
baseline
▲ 0.50% · 4.625%
HK$46,432
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,538/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,819
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,048
−HK$1,246/mo
Today · 4.125%
HK$48,294
baseline
▲ 0.50% · 4.625%
HK$50,840
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,588/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,445 · Scale 2, in force from 26 Feb 2026)