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$22,912
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,625
−HK$724/mo
Today · 4.125%
HK$24,349
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,698/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,489
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,173
−HK$693/mo
Today · 4.125%
HK$26,866
baseline
▲ 0.50% · 4.625%
HK$28,283
+HK$1,417/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,732/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,494
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$869/mo
Today · 4.125%
HK$29,219
baseline
▲ 0.50% · 4.625%
HK$30,996
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,438/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,587
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,408
−HK$832/mo
Today · 4.125%
HK$32,240
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,480/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,077
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,075
−HK$1,013/mo
Today · 4.125%
HK$34,088
baseline
▲ 0.50% · 4.625%
HK$36,162
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,176/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,685
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,642
−HK$971/mo
Today · 4.125%
HK$37,613
baseline
▲ 0.50% · 4.625%
HK$39,596
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,226/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,242
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,524
−HK$1,304/mo
Today · 4.125%
HK$43,828
baseline
▲ 0.50% · 4.625%
HK$46,495
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,656/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,881
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,111
−HK$1,249/mo
Today · 4.125%
HK$48,360
baseline
▲ 0.50% · 4.625%
HK$50,909
+HK$2,549/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,720/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,799 · Scale 2, in force from 26 Feb 2026)