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$22,876
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,588
−HK$723/mo
Today · 4.125%
HK$24,311
baseline
▲ 0.50% · 4.625%
HK$25,790
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,622/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,449
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,132
−HK$692/mo
Today · 4.125%
HK$26,824
baseline
▲ 0.50% · 4.625%
HK$28,238
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,648/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,451
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,305
−HK$868/mo
Today · 4.125%
HK$29,173
baseline
▲ 0.50% · 4.625%
HK$30,948
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,346/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,539
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,358
−HK$831/mo
Today · 4.125%
HK$32,189
baseline
▲ 0.50% · 4.625%
HK$33,886
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,378/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,027
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$1,012/mo
Today · 4.125%
HK$34,035
baseline
▲ 0.50% · 4.625%
HK$36,106
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,070/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,629
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,585
−HK$969/mo
Today · 4.125%
HK$37,554
baseline
▲ 0.50% · 4.625%
HK$39,534
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,108/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,177
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,458
−HK$1,301/mo
Today · 4.125%
HK$43,759
baseline
▲ 0.50% · 4.625%
HK$46,422
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,518/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,809
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,038
−HK$1,246/mo
Today · 4.125%
HK$48,284
baseline
▲ 0.50% · 4.625%
HK$50,829
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,568/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,226 · Scale 2, in force from 26 Feb 2026)