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$22,900
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,613
−HK$723/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,817
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,476
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$693/mo
Today · 4.125%
HK$26,853
baseline
▲ 0.50% · 4.625%
HK$28,268
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,706/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,480
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,335
−HK$869/mo
Today · 4.125%
HK$29,204
baseline
▲ 0.50% · 4.625%
HK$30,981
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,408/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,572
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,392
−HK$831/mo
Today · 4.125%
HK$32,223
baseline
▲ 0.50% · 4.625%
HK$33,922
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,446/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,060
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,058
−HK$1,013/mo
Today · 4.125%
HK$34,071
baseline
▲ 0.50% · 4.625%
HK$36,144
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,142/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,667
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,624
−HK$970/mo
Today · 4.125%
HK$37,594
baseline
▲ 0.50% · 4.625%
HK$39,576
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,188/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,221
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,503
−HK$1,303/mo
Today · 4.125%
HK$43,806
baseline
▲ 0.50% · 4.625%
HK$46,471
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,612/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,858
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,087
−HK$1,248/mo
Today · 4.125%
HK$48,335
baseline
▲ 0.50% · 4.625%
HK$50,883
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,670/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,288 · Scale 2, in force from 26 Feb 2026)