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$22,913
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,626
−HK$724/mo
Today · 4.125%
HK$24,350
baseline
▲ 0.50% · 4.625%
HK$25,831
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,700/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,490
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,174
−HK$694/mo
Today · 4.125%
HK$26,868
baseline
▲ 0.50% · 4.625%
HK$28,284
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,736/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,496
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,351
−HK$869/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,998
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,589
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,409
−HK$832/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$33,941
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,078
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,076
−HK$1,014/mo
Today · 4.125%
HK$34,090
baseline
▲ 0.50% · 4.625%
HK$36,164
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,180/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,687
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,644
−HK$971/mo
Today · 4.125%
HK$37,615
baseline
▲ 0.50% · 4.625%
HK$39,597
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,230/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,243
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,526
−HK$1,304/mo
Today · 4.125%
HK$43,830
baseline
▲ 0.50% · 4.625%
HK$46,497
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,660/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,883
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,113
−HK$1,249/mo
Today · 4.125%
HK$48,362
baseline
▲ 0.50% · 4.625%
HK$50,911
+HK$2,549/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,724/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,844 · Scale 2, in force from 26 Feb 2026)