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$22,904
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,616
−HK$724/mo
Today · 4.125%
HK$24,340
baseline
▲ 0.50% · 4.625%
HK$25,821
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,680/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,481
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,164
−HK$693/mo
Today · 4.125%
HK$26,857
baseline
▲ 0.50% · 4.625%
HK$28,273
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,714/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,485
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,340
−HK$868/mo
Today · 4.125%
HK$29,208
baseline
▲ 0.50% · 4.625%
HK$30,986
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,416/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,577
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,397
−HK$832/mo
Today · 4.125%
HK$32,229
baseline
▲ 0.50% · 4.625%
HK$33,927
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,458/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,066
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,063
−HK$1,013/mo
Today · 4.125%
HK$34,076
baseline
▲ 0.50% · 4.625%
HK$36,150
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,152/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,673
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,629
−HK$971/mo
Today · 4.125%
HK$37,600
baseline
▲ 0.50% · 4.625%
HK$39,582
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,200/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,227
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,510
−HK$1,303/mo
Today · 4.125%
HK$43,813
baseline
▲ 0.50% · 4.625%
HK$46,478
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,626/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,865
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,095
−HK$1,248/mo
Today · 4.125%
HK$48,343
baseline
▲ 0.50% · 4.625%
HK$50,891
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,686/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,451 · Scale 2, in force from 26 Feb 2026)