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$22,852
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,563
−HK$722/mo
Today · 4.125%
HK$24,285
baseline
▲ 0.50% · 4.625%
HK$25,762
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,570/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,422
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,104
−HK$692/mo
Today · 4.125%
HK$26,796
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,592/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,422
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,275
−HK$867/mo
Today · 4.125%
HK$29,142
baseline
▲ 0.50% · 4.625%
HK$30,915
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,284/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,507
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,325
−HK$830/mo
Today · 4.125%
HK$32,155
baseline
▲ 0.50% · 4.625%
HK$33,850
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,310/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,992
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,988
−HK$1,011/mo
Today · 4.125%
HK$33,999
baseline
▲ 0.50% · 4.625%
HK$36,067
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$67,998/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,591
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,546
−HK$968/mo
Today · 4.125%
HK$37,514
baseline
▲ 0.50% · 4.625%
HK$39,492
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,028/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,133
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,413
−HK$1,299/mo
Today · 4.125%
HK$43,712
baseline
▲ 0.50% · 4.625%
HK$46,372
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,424/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,760
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,987
−HK$1,245/mo
Today · 4.125%
HK$48,232
baseline
▲ 0.50% · 4.625%
HK$50,775
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,464/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,156 · Scale 2, in force from 26 Feb 2026)