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$22,839
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,550
−HK$722/mo
Today · 4.125%
HK$24,272
baseline
▲ 0.50% · 4.625%
HK$25,749
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,544/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,409
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,090
−HK$691/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,193
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,562/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,407
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,260
−HK$866/mo
Today · 4.125%
HK$29,126
baseline
▲ 0.50% · 4.625%
HK$30,898
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,252/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,490
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,308
−HK$830/mo
Today · 4.125%
HK$32,138
baseline
▲ 0.50% · 4.625%
HK$33,832
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,276/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,975
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,970
−HK$1,010/mo
Today · 4.125%
HK$33,980
baseline
▲ 0.50% · 4.625%
HK$36,048
+HK$2,068/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,960/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,572
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,526
−HK$968/mo
Today · 4.125%
HK$37,494
baseline
▲ 0.50% · 4.625%
HK$39,470
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,988/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,111
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,390
−HK$1,299/mo
Today · 4.125%
HK$43,689
baseline
▲ 0.50% · 4.625%
HK$46,347
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,378/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,736
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,962
−HK$1,245/mo
Today · 4.125%
HK$48,207
baseline
▲ 0.50% · 4.625%
HK$50,748
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,414/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,620 · Scale 2, in force from 26 Feb 2026)