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$22,880
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,592
−HK$723/mo
Today · 4.125%
HK$24,315
baseline
▲ 0.50% · 4.625%
HK$25,795
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,630/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,454
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$692/mo
Today · 4.125%
HK$26,829
baseline
▲ 0.50% · 4.625%
HK$28,244
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,658/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,457
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$867/mo
Today · 4.125%
HK$29,178
baseline
▲ 0.50% · 4.625%
HK$30,954
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,356/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,545
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$831/mo
Today · 4.125%
HK$32,195
baseline
▲ 0.50% · 4.625%
HK$33,892
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,390/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,033
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,029
−HK$1,012/mo
Today · 4.125%
HK$34,041
baseline
▲ 0.50% · 4.625%
HK$36,113
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,082/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,636
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,592
−HK$969/mo
Today · 4.125%
HK$37,561
baseline
▲ 0.50% · 4.625%
HK$39,541
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,122/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,185
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,466
−HK$1,301/mo
Today · 4.125%
HK$43,767
baseline
▲ 0.50% · 4.625%
HK$46,431
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,534/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,818
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,046
−HK$1,247/mo
Today · 4.125%
HK$48,293
baseline
▲ 0.50% · 4.625%
HK$50,839
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,586/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,415 · Scale 2, in force from 26 Feb 2026)