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$22,888
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,600
−HK$723/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,803
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,646/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,463
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,145
−HK$693/mo
Today · 4.125%
HK$26,838
baseline
▲ 0.50% · 4.625%
HK$28,253
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,676/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,465
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$868/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,555
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,375
−HK$831/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$33,903
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,043
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,040
−HK$1,012/mo
Today · 4.125%
HK$34,052
baseline
▲ 0.50% · 4.625%
HK$36,124
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,104/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,648
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,604
−HK$970/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,554
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,480
−HK$1,302/mo
Today · 4.125%
HK$43,782
baseline
▲ 0.50% · 4.625%
HK$46,446
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,564/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,833
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,062
−HK$1,247/mo
Today · 4.125%
HK$48,309
baseline
▲ 0.50% · 4.625%
HK$50,855
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,618/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,743 · Scale 2, in force from 26 Feb 2026)