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$22,846
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,557
−HK$722/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,756
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,558/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,416
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,098
−HK$691/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,201
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,416
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,268
−HK$867/mo
Today · 4.125%
HK$29,135
baseline
▲ 0.50% · 4.625%
HK$30,907
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,270/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,499
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,317
−HK$830/mo
Today · 4.125%
HK$32,147
baseline
▲ 0.50% · 4.625%
HK$33,842
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,294/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,985
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,980
−HK$1,010/mo
Today · 4.125%
HK$33,990
baseline
▲ 0.50% · 4.625%
HK$36,059
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,980/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,583
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,537
−HK$968/mo
Today · 4.125%
HK$37,505
baseline
▲ 0.50% · 4.625%
HK$39,482
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,010/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,123
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,402
−HK$1,300/mo
Today · 4.125%
HK$43,702
baseline
▲ 0.50% · 4.625%
HK$46,361
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,404/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,749
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,976
−HK$1,245/mo
Today · 4.125%
HK$48,221
baseline
▲ 0.50% · 4.625%
HK$50,763
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,442/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,916 · Scale 2, in force from 26 Feb 2026)