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$22,842
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,553
−HK$722/mo
Today · 4.125%
HK$24,275
baseline
▲ 0.50% · 4.625%
HK$25,752
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,550/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,412
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,093
−HK$692/mo
Today · 4.125%
HK$26,785
baseline
▲ 0.50% · 4.625%
HK$28,197
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,570/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,411
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,263
−HK$867/mo
Today · 4.125%
HK$29,130
baseline
▲ 0.50% · 4.625%
HK$30,902
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,260/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,494
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,312
−HK$830/mo
Today · 4.125%
HK$32,142
baseline
▲ 0.50% · 4.625%
HK$33,836
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,284/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,979
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,974
−HK$1,011/mo
Today · 4.125%
HK$33,985
baseline
▲ 0.50% · 4.625%
HK$36,053
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,970/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,577
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,531
−HK$968/mo
Today · 4.125%
HK$37,499
baseline
▲ 0.50% · 4.625%
HK$39,475
+HK$1,976/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$74,998/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,116
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,395
−HK$1,300/mo
Today · 4.125%
HK$43,695
baseline
▲ 0.50% · 4.625%
HK$46,353
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,390/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,741
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,968
−HK$1,245/mo
Today · 4.125%
HK$48,213
baseline
▲ 0.50% · 4.625%
HK$50,754
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,426/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,745 · Scale 2, in force from 26 Feb 2026)