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$22,903
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,616
−HK$723/mo
Today · 4.125%
HK$24,339
baseline
▲ 0.50% · 4.625%
HK$25,820
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,678/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,479
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,163
−HK$693/mo
Today · 4.125%
HK$26,856
baseline
▲ 0.50% · 4.625%
HK$28,272
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,712/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,484
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,339
−HK$868/mo
Today · 4.125%
HK$29,207
baseline
▲ 0.50% · 4.625%
HK$30,984
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,414/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,575
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,395
−HK$832/mo
Today · 4.125%
HK$32,227
baseline
▲ 0.50% · 4.625%
HK$33,926
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,454/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,064
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,062
−HK$1,013/mo
Today · 4.125%
HK$34,075
baseline
▲ 0.50% · 4.625%
HK$36,148
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,150/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,671
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,628
−HK$970/mo
Today · 4.125%
HK$37,598
baseline
▲ 0.50% · 4.625%
HK$39,580
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,196/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,226
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,508
−HK$1,303/mo
Today · 4.125%
HK$43,811
baseline
▲ 0.50% · 4.625%
HK$46,477
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,622/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,863
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,093
−HK$1,248/mo
Today · 4.125%
HK$48,341
baseline
▲ 0.50% · 4.625%
HK$50,889
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,682/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,410 · Scale 2, in force from 26 Feb 2026)