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$22,855
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,566
−HK$722/mo
Today · 4.125%
HK$24,288
baseline
▲ 0.50% · 4.625%
HK$25,766
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,576/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,426
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,108
−HK$691/mo
Today · 4.125%
HK$26,799
baseline
▲ 0.50% · 4.625%
HK$28,212
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,598/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,426
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,279
−HK$866/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,919
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,511
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$830/mo
Today · 4.125%
HK$32,159
baseline
▲ 0.50% · 4.625%
HK$33,854
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,318/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,997
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,992
−HK$1,011/mo
Today · 4.125%
HK$34,003
baseline
▲ 0.50% · 4.625%
HK$36,072
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,006/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,596
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,551
−HK$968/mo
Today · 4.125%
HK$37,519
baseline
▲ 0.50% · 4.625%
HK$39,497
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,038/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,138
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,418
−HK$1,300/mo
Today · 4.125%
HK$43,718
baseline
▲ 0.50% · 4.625%
HK$46,378
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,436/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,766
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,994
−HK$1,245/mo
Today · 4.125%
HK$48,239
baseline
▲ 0.50% · 4.625%
HK$50,781
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,478/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,287 · Scale 2, in force from 26 Feb 2026)