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$22,852
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,563
−HK$722/mo
Today · 4.125%
HK$24,285
baseline
▲ 0.50% · 4.625%
HK$25,763
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,570/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,423
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,105
−HK$691/mo
Today · 4.125%
HK$26,796
baseline
▲ 0.50% · 4.625%
HK$28,209
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,592/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,423
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,276
−HK$866/mo
Today · 4.125%
HK$29,142
baseline
▲ 0.50% · 4.625%
HK$30,916
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,284/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,507
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,326
−HK$830/mo
Today · 4.125%
HK$32,156
baseline
▲ 0.50% · 4.625%
HK$33,851
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,312/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,993
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,988
−HK$1,011/mo
Today · 4.125%
HK$33,999
baseline
▲ 0.50% · 4.625%
HK$36,068
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$67,998/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,592
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,547
−HK$968/mo
Today · 4.125%
HK$37,515
baseline
▲ 0.50% · 4.625%
HK$39,492
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,030/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,134
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,413
−HK$1,300/mo
Today · 4.125%
HK$43,713
baseline
▲ 0.50% · 4.625%
HK$46,373
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,426/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,761
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,988
−HK$1,245/mo
Today · 4.125%
HK$48,233
baseline
▲ 0.50% · 4.625%
HK$50,776
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,466/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,177 · Scale 2, in force from 26 Feb 2026)