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$22,892
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,604
−HK$723/mo
Today · 4.125%
HK$24,327
baseline
▲ 0.50% · 4.625%
HK$25,808
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,654/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,467
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,150
−HK$693/mo
Today · 4.125%
HK$26,843
baseline
▲ 0.50% · 4.625%
HK$28,258
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,686/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,470
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,325
−HK$868/mo
Today · 4.125%
HK$29,193
baseline
▲ 0.50% · 4.625%
HK$30,969
+HK$1,776/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,386/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,560
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,380
−HK$831/mo
Today · 4.125%
HK$32,211
baseline
▲ 0.50% · 4.625%
HK$33,909
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,422/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,049
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,046
−HK$1,012/mo
Today · 4.125%
HK$34,058
baseline
▲ 0.50% · 4.625%
HK$36,131
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,116/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,654
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,610
−HK$970/mo
Today · 4.125%
HK$37,580
baseline
▲ 0.50% · 4.625%
HK$39,561
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,160/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,205
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,487
−HK$1,302/mo
Today · 4.125%
HK$43,789
baseline
▲ 0.50% · 4.625%
HK$46,454
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,578/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,841
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,070
−HK$1,247/mo
Today · 4.125%
HK$48,317
baseline
▲ 0.50% · 4.625%
HK$50,864
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,634/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,917 · Scale 2, in force from 26 Feb 2026)