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$22,842
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,552
−HK$722/mo
Today · 4.125%
HK$24,274
baseline
▲ 0.50% · 4.625%
HK$25,751
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,548/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,411
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,093
−HK$691/mo
Today · 4.125%
HK$26,784
baseline
▲ 0.50% · 4.625%
HK$28,196
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,568/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,410
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,263
−HK$866/mo
Today · 4.125%
HK$29,129
baseline
▲ 0.50% · 4.625%
HK$30,902
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,258/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,494
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,311
−HK$830/mo
Today · 4.125%
HK$32,141
baseline
▲ 0.50% · 4.625%
HK$33,835
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,282/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,979
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,973
−HK$1,011/mo
Today · 4.125%
HK$33,984
baseline
▲ 0.50% · 4.625%
HK$36,052
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,968/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,576
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,530
−HK$968/mo
Today · 4.125%
HK$37,498
baseline
▲ 0.50% · 4.625%
HK$39,475
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$74,996/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,115
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,394
−HK$1,300/mo
Today · 4.125%
HK$43,694
baseline
▲ 0.50% · 4.625%
HK$46,352
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,388/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,740
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,967
−HK$1,245/mo
Today · 4.125%
HK$48,212
baseline
▲ 0.50% · 4.625%
HK$50,753
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,424/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,725 · Scale 2, in force from 26 Feb 2026)