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$22,900
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,612
−HK$724/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,476
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,159
−HK$693/mo
Today · 4.125%
HK$26,852
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,704/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,480
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,334
−HK$869/mo
Today · 4.125%
HK$29,203
baseline
▲ 0.50% · 4.625%
HK$30,980
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,406/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,571
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,391
−HK$831/mo
Today · 4.125%
HK$32,222
baseline
▲ 0.50% · 4.625%
HK$33,921
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,444/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,060
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,057
−HK$1,013/mo
Today · 4.125%
HK$34,070
baseline
▲ 0.50% · 4.625%
HK$36,143
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,140/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,666
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,622
−HK$971/mo
Today · 4.125%
HK$37,593
baseline
▲ 0.50% · 4.625%
HK$39,574
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,186/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,219
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,502
−HK$1,302/mo
Today · 4.125%
HK$43,804
baseline
▲ 0.50% · 4.625%
HK$46,470
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,608/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,856
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,086
−HK$1,248/mo
Today · 4.125%
HK$48,334
baseline
▲ 0.50% · 4.625%
HK$50,881
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,668/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,259 · Scale 2, in force from 26 Feb 2026)