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$22,872
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,583
−HK$723/mo
Today · 4.125%
HK$24,306
baseline
▲ 0.50% · 4.625%
HK$25,785
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,612/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,445
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,127
−HK$693/mo
Today · 4.125%
HK$26,820
baseline
▲ 0.50% · 4.625%
HK$28,233
+HK$1,413/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,640/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,446
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,300
−HK$867/mo
Today · 4.125%
HK$29,167
baseline
▲ 0.50% · 4.625%
HK$30,942
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,334/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,534
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,353
−HK$830/mo
Today · 4.125%
HK$32,183
baseline
▲ 0.50% · 4.625%
HK$33,880
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,366/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,021
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,017
−HK$1,012/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$36,099
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,623
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,578
−HK$969/mo
Today · 4.125%
HK$37,547
baseline
▲ 0.50% · 4.625%
HK$39,526
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,094/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,169
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,450
−HK$1,301/mo
Today · 4.125%
HK$43,751
baseline
▲ 0.50% · 4.625%
HK$46,413
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,502/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,801
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,029
−HK$1,246/mo
Today · 4.125%
HK$48,275
baseline
▲ 0.50% · 4.625%
HK$50,820
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,550/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,043 · Scale 2, in force from 26 Feb 2026)