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$22,844
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,555
−HK$722/mo
Today · 4.125%
HK$24,277
baseline
▲ 0.50% · 4.625%
HK$25,754
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,554/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,414
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$691/mo
Today · 4.125%
HK$26,787
baseline
▲ 0.50% · 4.625%
HK$28,199
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,574/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,413
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,266
−HK$866/mo
Today · 4.125%
HK$29,132
baseline
▲ 0.50% · 4.625%
HK$30,905
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,264/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,497
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,315
−HK$829/mo
Today · 4.125%
HK$32,144
baseline
▲ 0.50% · 4.625%
HK$33,839
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,288/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,982
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,977
−HK$1,010/mo
Today · 4.125%
HK$33,987
baseline
▲ 0.50% · 4.625%
HK$36,056
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,974/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,580
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,534
−HK$968/mo
Today · 4.125%
HK$37,502
baseline
▲ 0.50% · 4.625%
HK$39,479
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,004/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,120
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,399
−HK$1,299/mo
Today · 4.125%
HK$43,698
baseline
▲ 0.50% · 4.625%
HK$46,357
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,396/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,745
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,972
−HK$1,245/mo
Today · 4.125%
HK$48,217
baseline
▲ 0.50% · 4.625%
HK$50,758
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,434/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,828 · Scale 2, in force from 26 Feb 2026)