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$22,882
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,594
−HK$723/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,797
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,456
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,139
−HK$692/mo
Today · 4.125%
HK$26,831
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,662/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,458
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,313
−HK$867/mo
Today · 4.125%
HK$29,180
baseline
▲ 0.50% · 4.625%
HK$30,956
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,360/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,547
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,366
−HK$832/mo
Today · 4.125%
HK$32,198
baseline
▲ 0.50% · 4.625%
HK$33,895
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,396/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,035
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,031
−HK$1,013/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$36,115
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,638
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,594
−HK$970/mo
Today · 4.125%
HK$37,564
baseline
▲ 0.50% · 4.625%
HK$39,544
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,128/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,188
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,469
−HK$1,301/mo
Today · 4.125%
HK$43,770
baseline
▲ 0.50% · 4.625%
HK$46,434
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,540/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,821
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,050
−HK$1,246/mo
Today · 4.125%
HK$48,296
baseline
▲ 0.50% · 4.625%
HK$50,842
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,592/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,484 · Scale 2, in force from 26 Feb 2026)