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$22,896
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,608
−HK$724/mo
Today · 4.125%
HK$24,332
baseline
▲ 0.50% · 4.625%
HK$25,812
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,664/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$374,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,472
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,155
−HK$693/mo
Today · 4.125%
HK$26,848
baseline
▲ 0.50% · 4.625%
HK$28,263
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,696/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$374,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,475
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,330
−HK$868/mo
Today · 4.125%
HK$29,198
baseline
▲ 0.50% · 4.625%
HK$30,975
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,396/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,566
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,386
−HK$831/mo
Today · 4.125%
HK$32,217
baseline
▲ 0.50% · 4.625%
HK$33,916
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,434/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,055
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,052
−HK$1,013/mo
Today · 4.125%
HK$34,065
baseline
▲ 0.50% · 4.625%
HK$36,137
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,130/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,660
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,617
−HK$970/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,568
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,213
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,495
−HK$1,303/mo
Today · 4.125%
HK$43,798
baseline
▲ 0.50% · 4.625%
HK$46,462
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,596/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,849
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,079
−HK$1,247/mo
Today · 4.125%
HK$48,326
baseline
▲ 0.50% · 4.625%
HK$50,874
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,652/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,105 · Scale 2, in force from 26 Feb 2026)