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$22,835
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,546
−HK$721/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,744
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,404
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,085
−HK$692/mo
Today · 4.125%
HK$26,777
baseline
▲ 0.50% · 4.625%
HK$28,188
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,554/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,402
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,255
−HK$866/mo
Today · 4.125%
HK$29,121
baseline
▲ 0.50% · 4.625%
HK$30,893
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,242/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,302
−HK$830/mo
Today · 4.125%
HK$32,132
baseline
▲ 0.50% · 4.625%
HK$33,826
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,264/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,969
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,964
−HK$1,010/mo
Today · 4.125%
HK$33,974
baseline
▲ 0.50% · 4.625%
HK$36,041
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,948/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,566
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,519
−HK$968/mo
Today · 4.125%
HK$37,487
baseline
▲ 0.50% · 4.625%
HK$39,463
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,974/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,103
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,382
−HK$1,299/mo
Today · 4.125%
HK$43,681
baseline
▲ 0.50% · 4.625%
HK$46,339
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,362/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,727
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,954
−HK$1,244/mo
Today · 4.125%
HK$48,198
baseline
▲ 0.50% · 4.625%
HK$50,738
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,396/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,435 · Scale 2, in force from 26 Feb 2026)