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$22,862
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,573
−HK$723/mo
Today · 4.125%
HK$24,296
baseline
▲ 0.50% · 4.625%
HK$25,774
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,592/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,116
−HK$692/mo
Today · 4.125%
HK$26,808
baseline
▲ 0.50% · 4.625%
HK$28,221
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,616/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,434
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,288
−HK$867/mo
Today · 4.125%
HK$29,155
baseline
▲ 0.50% · 4.625%
HK$30,929
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,310/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,520
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,339
−HK$830/mo
Today · 4.125%
HK$32,169
baseline
▲ 0.50% · 4.625%
HK$33,865
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,338/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,007
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,002
−HK$1,012/mo
Today · 4.125%
HK$34,014
baseline
▲ 0.50% · 4.625%
HK$36,083
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,028/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,607
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,562
−HK$969/mo
Today · 4.125%
HK$37,531
baseline
▲ 0.50% · 4.625%
HK$39,509
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,062/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,151
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,432
−HK$1,300/mo
Today · 4.125%
HK$43,732
baseline
▲ 0.50% · 4.625%
HK$46,393
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,464/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,781
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,008
−HK$1,246/mo
Today · 4.125%
HK$48,254
baseline
▲ 0.50% · 4.625%
HK$50,798
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,508/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,604 · Scale 2, in force from 26 Feb 2026)