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$22,844
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,554
−HK$722/mo
Today · 4.125%
HK$24,276
baseline
▲ 0.50% · 4.625%
HK$25,753
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,552/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,413
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,095
−HK$691/mo
Today · 4.125%
HK$26,786
baseline
▲ 0.50% · 4.625%
HK$28,198
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,572/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,412
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,265
−HK$866/mo
Today · 4.125%
HK$29,131
baseline
▲ 0.50% · 4.625%
HK$30,904
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,262/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,496
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,314
−HK$830/mo
Today · 4.125%
HK$32,144
baseline
▲ 0.50% · 4.625%
HK$33,838
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,288/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,981
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,976
−HK$1,011/mo
Today · 4.125%
HK$33,987
baseline
▲ 0.50% · 4.625%
HK$36,055
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,974/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,579
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$968/mo
Today · 4.125%
HK$37,501
baseline
▲ 0.50% · 4.625%
HK$39,478
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,002/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,119
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,398
−HK$1,299/mo
Today · 4.125%
HK$43,697
baseline
▲ 0.50% · 4.625%
HK$46,356
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,394/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,744
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,971
−HK$1,244/mo
Today · 4.125%
HK$48,215
baseline
▲ 0.50% · 4.625%
HK$50,757
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,430/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,803 · Scale 2, in force from 26 Feb 2026)