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$22,837
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,548
−HK$721/mo
Today · 4.125%
HK$24,269
baseline
▲ 0.50% · 4.625%
HK$25,746
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,538/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,406
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,088
−HK$691/mo
Today · 4.125%
HK$26,779
baseline
▲ 0.50% · 4.625%
HK$28,190
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,558/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,405
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,257
−HK$866/mo
Today · 4.125%
HK$29,123
baseline
▲ 0.50% · 4.625%
HK$30,895
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,246/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,488
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,305
−HK$830/mo
Today · 4.125%
HK$32,135
baseline
▲ 0.50% · 4.625%
HK$33,829
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,270/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,972
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,967
−HK$1,010/mo
Today · 4.125%
HK$33,977
baseline
▲ 0.50% · 4.625%
HK$36,045
+HK$2,068/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,954/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,569
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,523
−HK$967/mo
Today · 4.125%
HK$37,490
baseline
▲ 0.50% · 4.625%
HK$39,467
+HK$1,977/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,980/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,107
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,386
−HK$1,299/mo
Today · 4.125%
HK$43,685
baseline
▲ 0.50% · 4.625%
HK$46,343
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,370/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,731
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,244/mo
Today · 4.125%
HK$48,202
baseline
▲ 0.50% · 4.625%
HK$50,743
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,404/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,525 · Scale 2, in force from 26 Feb 2026)