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$22,866
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,577
−HK$723/mo
Today · 4.125%
HK$24,300
baseline
▲ 0.50% · 4.625%
HK$25,779
+HK$1,479/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,600/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,438
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,120
−HK$693/mo
Today · 4.125%
HK$26,813
baseline
▲ 0.50% · 4.625%
HK$28,226
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,626/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,439
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,293
−HK$867/mo
Today · 4.125%
HK$29,160
baseline
▲ 0.50% · 4.625%
HK$30,934
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,320/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,526
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,345
−HK$830/mo
Today · 4.125%
HK$32,175
baseline
▲ 0.50% · 4.625%
HK$33,871
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,350/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,012
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,008
−HK$1,012/mo
Today · 4.125%
HK$34,020
baseline
▲ 0.50% · 4.625%
HK$36,090
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,040/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,614
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,569
−HK$969/mo
Today · 4.125%
HK$37,538
baseline
▲ 0.50% · 4.625%
HK$39,516
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,076/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,159
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,439
−HK$1,301/mo
Today · 4.125%
HK$43,740
baseline
▲ 0.50% · 4.625%
HK$46,401
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,480/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,789
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,017
−HK$1,246/mo
Today · 4.125%
HK$48,263
baseline
▲ 0.50% · 4.625%
HK$50,807
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,526/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,784 · Scale 2, in force from 26 Feb 2026)