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$22,915
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,628
−HK$724/mo
Today · 4.125%
HK$24,352
baseline
▲ 0.50% · 4.625%
HK$25,834
+HK$1,482/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,704/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,493
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,177
−HK$693/mo
Today · 4.125%
HK$26,870
baseline
▲ 0.50% · 4.625%
HK$28,287
+HK$1,417/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,740/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,498
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,354
−HK$869/mo
Today · 4.125%
HK$29,223
baseline
▲ 0.50% · 4.625%
HK$31,001
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,446/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,591
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,412
−HK$832/mo
Today · 4.125%
HK$32,244
baseline
▲ 0.50% · 4.625%
HK$33,944
+HK$1,700/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,488/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,081
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,079
−HK$1,014/mo
Today · 4.125%
HK$34,093
baseline
▲ 0.50% · 4.625%
HK$36,167
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,186/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,690
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,647
−HK$971/mo
Today · 4.125%
HK$37,618
baseline
▲ 0.50% · 4.625%
HK$39,601
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,236/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,247
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,530
−HK$1,304/mo
Today · 4.125%
HK$43,834
baseline
▲ 0.50% · 4.625%
HK$46,501
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,668/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,887
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,118
−HK$1,248/mo
Today · 4.125%
HK$48,366
baseline
▲ 0.50% · 4.625%
HK$50,916
+HK$2,550/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,732/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,937 · Scale 2, in force from 26 Feb 2026)