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$22,836
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$721/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,745
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,405
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,087
−HK$691/mo
Today · 4.125%
HK$26,778
baseline
▲ 0.50% · 4.625%
HK$28,189
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,556/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,404
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,256
−HK$866/mo
Today · 4.125%
HK$29,122
baseline
▲ 0.50% · 4.625%
HK$30,894
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,244/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,486
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,304
−HK$829/mo
Today · 4.125%
HK$32,133
baseline
▲ 0.50% · 4.625%
HK$33,827
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,266/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,971
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,965
−HK$1,011/mo
Today · 4.125%
HK$33,976
baseline
▲ 0.50% · 4.625%
HK$36,043
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,952/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,567
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,521
−HK$968/mo
Today · 4.125%
HK$37,489
baseline
▲ 0.50% · 4.625%
HK$39,465
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,978/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,106
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,384
−HK$1,299/mo
Today · 4.125%
HK$43,683
baseline
▲ 0.50% · 4.625%
HK$46,341
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,366/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,730
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,956
−HK$1,244/mo
Today · 4.125%
HK$48,200
baseline
▲ 0.50% · 4.625%
HK$50,741
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,400/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,485 · Scale 2, in force from 26 Feb 2026)