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$22,859
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,570
−HK$722/mo
Today · 4.125%
HK$24,292
baseline
▲ 0.50% · 4.625%
HK$25,770
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,584/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,430
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,112
−HK$692/mo
Today · 4.125%
HK$26,804
baseline
▲ 0.50% · 4.625%
HK$28,217
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,608/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,431
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,284
−HK$867/mo
Today · 4.125%
HK$29,151
baseline
▲ 0.50% · 4.625%
HK$30,925
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,302/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,516
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,335
−HK$830/mo
Today · 4.125%
HK$32,165
baseline
▲ 0.50% · 4.625%
HK$33,860
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,330/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,002
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,998
−HK$1,011/mo
Today · 4.125%
HK$34,009
baseline
▲ 0.50% · 4.625%
HK$36,079
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,018/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,602
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,557
−HK$969/mo
Today · 4.125%
HK$37,526
baseline
▲ 0.50% · 4.625%
HK$39,504
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,052/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,146
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,426
−HK$1,300/mo
Today · 4.125%
HK$43,726
baseline
▲ 0.50% · 4.625%
HK$46,387
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,452/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,774
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,002
−HK$1,246/mo
Today · 4.125%
HK$48,248
baseline
▲ 0.50% · 4.625%
HK$50,791
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,496/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,469 · Scale 2, in force from 26 Feb 2026)