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$22,849
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$722/mo
Today · 4.125%
HK$24,281
baseline
▲ 0.50% · 4.625%
HK$25,759
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,562/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,419
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,101
−HK$691/mo
Today · 4.125%
HK$26,792
baseline
▲ 0.50% · 4.625%
HK$28,204
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,584/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,418
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$867/mo
Today · 4.125%
HK$29,138
baseline
▲ 0.50% · 4.625%
HK$30,911
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,276/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,503
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,321
−HK$830/mo
Today · 4.125%
HK$32,151
baseline
▲ 0.50% · 4.625%
HK$33,845
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,302/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,988
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,983
−HK$1,011/mo
Today · 4.125%
HK$33,994
baseline
▲ 0.50% · 4.625%
HK$36,062
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,988/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,586
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,541
−HK$968/mo
Today · 4.125%
HK$37,509
baseline
▲ 0.50% · 4.625%
HK$39,486
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,018/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,127
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,407
−HK$1,299/mo
Today · 4.125%
HK$43,706
baseline
▲ 0.50% · 4.625%
HK$46,366
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,412/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,754
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,981
−HK$1,245/mo
Today · 4.125%
HK$48,226
baseline
▲ 0.50% · 4.625%
HK$50,768
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,452/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,018 · Scale 2, in force from 26 Feb 2026)