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$22,873
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,585
−HK$723/mo
Today · 4.125%
HK$24,308
baseline
▲ 0.50% · 4.625%
HK$25,787
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,616/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,446
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,129
−HK$692/mo
Today · 4.125%
HK$26,821
baseline
▲ 0.50% · 4.625%
HK$28,235
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,642/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,448
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,302
−HK$867/mo
Today · 4.125%
HK$29,169
baseline
▲ 0.50% · 4.625%
HK$30,944
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,338/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,536
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,355
−HK$831/mo
Today · 4.125%
HK$32,186
baseline
▲ 0.50% · 4.625%
HK$33,882
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,372/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,023
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,019
−HK$1,012/mo
Today · 4.125%
HK$34,031
baseline
▲ 0.50% · 4.625%
HK$36,102
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,062/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,625
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,581
−HK$969/mo
Today · 4.125%
HK$37,550
baseline
▲ 0.50% · 4.625%
HK$39,529
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,100/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,172
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,453
−HK$1,301/mo
Today · 4.125%
HK$43,754
baseline
▲ 0.50% · 4.625%
HK$46,416
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,508/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,804
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,032
−HK$1,246/mo
Today · 4.125%
HK$48,278
baseline
▲ 0.50% · 4.625%
HK$50,823
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,556/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,109 · Scale 2, in force from 26 Feb 2026)