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$22,870
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,582
−HK$723/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,783
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,443
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,125
−HK$693/mo
Today · 4.125%
HK$26,818
baseline
▲ 0.50% · 4.625%
HK$28,231
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,636/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,444
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$867/mo
Today · 4.125%
HK$29,165
baseline
▲ 0.50% · 4.625%
HK$30,940
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,330/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,532
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,351
−HK$830/mo
Today · 4.125%
HK$32,181
baseline
▲ 0.50% · 4.625%
HK$33,878
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,362/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,019
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,015
−HK$1,011/mo
Today · 4.125%
HK$34,026
baseline
▲ 0.50% · 4.625%
HK$36,097
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,052/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,620
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,576
−HK$969/mo
Today · 4.125%
HK$37,545
baseline
▲ 0.50% · 4.625%
HK$39,524
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,090/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,167
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,447
−HK$1,301/mo
Today · 4.125%
HK$43,748
baseline
▲ 0.50% · 4.625%
HK$46,410
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,496/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,798
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,026
−HK$1,246/mo
Today · 4.125%
HK$48,272
baseline
▲ 0.50% · 4.625%
HK$50,816
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,544/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,975 · Scale 2, in force from 26 Feb 2026)