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$22,829
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,539
−HK$721/mo
Today · 4.125%
HK$24,260
baseline
▲ 0.50% · 4.625%
HK$25,737
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,520/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,397
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,078
−HK$691/mo
Today · 4.125%
HK$26,769
baseline
▲ 0.50% · 4.625%
HK$28,180
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,538/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,395
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,247
−HK$865/mo
Today · 4.125%
HK$29,112
baseline
▲ 0.50% · 4.625%
HK$30,884
+HK$1,772/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,224/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,476
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,294
−HK$829/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$33,816
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,960
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,954
−HK$1,010/mo
Today · 4.125%
HK$33,964
baseline
▲ 0.50% · 4.625%
HK$36,031
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,928/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,556
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,509
−HK$967/mo
Today · 4.125%
HK$37,476
baseline
▲ 0.50% · 4.625%
HK$39,452
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,952/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,092
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,370
−HK$1,299/mo
Today · 4.125%
HK$43,669
baseline
▲ 0.50% · 4.625%
HK$46,326
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,338/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,714
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,940
−HK$1,244/mo
Today · 4.125%
HK$48,184
baseline
▲ 0.50% · 4.625%
HK$50,724
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,368/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,150 · Scale 2, in force from 26 Feb 2026)