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$22,902
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,614
−HK$724/mo
Today · 4.125%
HK$24,338
baseline
▲ 0.50% · 4.625%
HK$25,819
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,676/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,478
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,161
−HK$694/mo
Today · 4.125%
HK$26,855
baseline
▲ 0.50% · 4.625%
HK$28,270
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,710/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,337
−HK$869/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,983
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,574
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,394
−HK$832/mo
Today · 4.125%
HK$32,226
baseline
▲ 0.50% · 4.625%
HK$33,924
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,452/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,063
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,060
−HK$1,013/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$36,147
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,669
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$971/mo
Today · 4.125%
HK$37,597
baseline
▲ 0.50% · 4.625%
HK$39,578
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,194/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,506
−HK$1,303/mo
Today · 4.125%
HK$43,809
baseline
▲ 0.50% · 4.625%
HK$46,474
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,618/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,861
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,091
−HK$1,247/mo
Today · 4.125%
HK$48,338
baseline
▲ 0.50% · 4.625%
HK$50,886
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,676/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,359 · Scale 2, in force from 26 Feb 2026)