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$22,882
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,594
−HK$723/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,797
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,456
−HK$1,376/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$373,495 · 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$30,956
+HK$1,775/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$373,495 · 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$33,895
+HK$1,697/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$373,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,035
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$1,012/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$36,116
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,639
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,595
−HK$969/mo
Today · 4.125%
HK$37,564
baseline
▲ 0.50% · 4.625%
HK$39,544
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,128/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,188
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,469
−HK$1,302/mo
Today · 4.125%
HK$43,771
baseline
▲ 0.50% · 4.625%
HK$46,434
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,542/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,821
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,050
−HK$1,247/mo
Today · 4.125%
HK$48,297
baseline
▲ 0.50% · 4.625%
HK$50,843
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,594/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,495 · Scale 2, in force from 26 Feb 2026)