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$22,899
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,612
−HK$723/mo
Today · 4.125%
HK$24,335
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,670/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,475
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,158
−HK$694/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$374,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,479
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,334
−HK$868/mo
Today · 4.125%
HK$29,202
baseline
▲ 0.50% · 4.625%
HK$30,979
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,404/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,570
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,390
−HK$832/mo
Today · 4.125%
HK$32,222
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,698/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$374,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,059
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,056
−HK$1,013/mo
Today · 4.125%
HK$34,069
baseline
▲ 0.50% · 4.625%
HK$36,142
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,138/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,665
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,622
−HK$970/mo
Today · 4.125%
HK$37,592
baseline
▲ 0.50% · 4.625%
HK$39,574
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,184/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,219
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,501
−HK$1,302/mo
Today · 4.125%
HK$43,803
baseline
▲ 0.50% · 4.625%
HK$46,469
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,606/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,855
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,085
−HK$1,248/mo
Today · 4.125%
HK$48,333
baseline
▲ 0.50% · 4.625%
HK$50,880
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,666/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,240 · Scale 2, in force from 26 Feb 2026)