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$22,891
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,603
−HK$724/mo
Today · 4.125%
HK$24,327
baseline
▲ 0.50% · 4.625%
HK$25,807
+HK$1,480/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$373,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,466
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,149
−HK$693/mo
Today · 4.125%
HK$26,842
baseline
▲ 0.50% · 4.625%
HK$28,257
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,684/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,469
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,324
−HK$868/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,968
+HK$1,776/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,384/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,559
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,379
−HK$831/mo
Today · 4.125%
HK$32,210
baseline
▲ 0.50% · 4.625%
HK$33,908
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,420/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,048
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,044
−HK$1,013/mo
Today · 4.125%
HK$34,057
baseline
▲ 0.50% · 4.625%
HK$36,130
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,114/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,653
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,609
−HK$970/mo
Today · 4.125%
HK$37,579
baseline
▲ 0.50% · 4.625%
HK$39,560
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,158/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,204
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,486
−HK$1,302/mo
Today · 4.125%
HK$43,788
baseline
▲ 0.50% · 4.625%
HK$46,452
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,576/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,839
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,068
−HK$1,248/mo
Today · 4.125%
HK$48,316
baseline
▲ 0.50% · 4.625%
HK$50,862
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,632/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,884 · Scale 2, in force from 26 Feb 2026)