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$22,839
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$722/mo
Today · 4.125%
HK$24,271
baseline
▲ 0.50% · 4.625%
HK$25,748
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,542/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,408
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,089
−HK$692/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,192
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,562/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,407
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,259
−HK$866/mo
Today · 4.125%
HK$29,125
baseline
▲ 0.50% · 4.625%
HK$30,897
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,250/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,490
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,307
−HK$830/mo
Today · 4.125%
HK$32,137
baseline
▲ 0.50% · 4.625%
HK$33,831
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,274/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,974
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,969
−HK$1,011/mo
Today · 4.125%
HK$33,980
baseline
▲ 0.50% · 4.625%
HK$36,047
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,960/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,571
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,525
−HK$968/mo
Today · 4.125%
HK$37,493
baseline
▲ 0.50% · 4.625%
HK$39,469
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,986/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,110
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,389
−HK$1,299/mo
Today · 4.125%
HK$43,688
baseline
▲ 0.50% · 4.625%
HK$46,346
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,376/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,734
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,961
−HK$1,244/mo
Today · 4.125%
HK$48,205
baseline
▲ 0.50% · 4.625%
HK$50,746
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,410/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,593 · Scale 2, in force from 26 Feb 2026)