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$22,883
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,594
−HK$724/mo
Today · 4.125%
HK$24,318
baseline
▲ 0.50% · 4.625%
HK$25,797
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,636/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,457
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,139
−HK$693/mo
Today · 4.125%
HK$26,832
baseline
▲ 0.50% · 4.625%
HK$28,246
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,664/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,459
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,313
−HK$868/mo
Today · 4.125%
HK$29,181
baseline
▲ 0.50% · 4.625%
HK$30,957
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,362/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,548
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,367
−HK$831/mo
Today · 4.125%
HK$32,198
baseline
▲ 0.50% · 4.625%
HK$33,896
+HK$1,698/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$373,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,036
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$1,013/mo
Today · 4.125%
HK$34,045
baseline
▲ 0.50% · 4.625%
HK$36,116
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,090/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,639
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,595
−HK$970/mo
Today · 4.125%
HK$37,565
baseline
▲ 0.50% · 4.625%
HK$39,545
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,130/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,189
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,470
−HK$1,302/mo
Today · 4.125%
HK$43,772
baseline
▲ 0.50% · 4.625%
HK$46,435
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,544/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,822
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,051
−HK$1,247/mo
Today · 4.125%
HK$48,298
baseline
▲ 0.50% · 4.625%
HK$50,844
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,596/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,512 · Scale 2, in force from 26 Feb 2026)