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$22,829
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,539
−HK$722/mo
Today · 4.125%
HK$24,261
baseline
▲ 0.50% · 4.625%
HK$25,737
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,522/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,397
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,079
−HK$691/mo
Today · 4.125%
HK$26,770
baseline
▲ 0.50% · 4.625%
HK$28,181
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,540/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,395
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,247
−HK$866/mo
Today · 4.125%
HK$29,113
baseline
▲ 0.50% · 4.625%
HK$30,885
+HK$1,772/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,226/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,477
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,294
−HK$829/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$33,817
+HK$1,694/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,961
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,955
−HK$1,010/mo
Today · 4.125%
HK$33,965
baseline
▲ 0.50% · 4.625%
HK$36,032
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,930/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,556
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,510
−HK$967/mo
Today · 4.125%
HK$37,477
baseline
▲ 0.50% · 4.625%
HK$39,453
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,954/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,093
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,371
−HK$1,299/mo
Today · 4.125%
HK$43,670
baseline
▲ 0.50% · 4.625%
HK$46,327
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,340/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,715
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,941
−HK$1,244/mo
Today · 4.125%
HK$48,185
baseline
▲ 0.50% · 4.625%
HK$50,725
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,370/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,174 · Scale 2, in force from 26 Feb 2026)