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$22,889
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,601
−HK$724/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,805
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,464
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,147
−HK$693/mo
Today · 4.125%
HK$26,840
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,680/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,467
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$868/mo
Today · 4.125%
HK$29,190
baseline
▲ 0.50% · 4.625%
HK$30,966
+HK$1,776/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,380/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,557
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,376
−HK$832/mo
Today · 4.125%
HK$32,208
baseline
▲ 0.50% · 4.625%
HK$33,906
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,416/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,045
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,042
−HK$1,013/mo
Today · 4.125%
HK$34,055
baseline
▲ 0.50% · 4.625%
HK$36,127
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,110/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,650
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,606
−HK$970/mo
Today · 4.125%
HK$37,576
baseline
▲ 0.50% · 4.625%
HK$39,557
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,152/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,201
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,482
−HK$1,302/mo
Today · 4.125%
HK$43,784
baseline
▲ 0.50% · 4.625%
HK$46,449
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,568/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,835
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,065
−HK$1,247/mo
Today · 4.125%
HK$48,312
baseline
▲ 0.50% · 4.625%
HK$50,858
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,624/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,805 · Scale 2, in force from 26 Feb 2026)