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$22,830
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,540
−HK$722/mo
Today · 4.125%
HK$24,262
baseline
▲ 0.50% · 4.625%
HK$25,738
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,524/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,398
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,079
−HK$691/mo
Today · 4.125%
HK$26,770
baseline
▲ 0.50% · 4.625%
HK$28,181
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,540/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,396
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,248
−HK$866/mo
Today · 4.125%
HK$29,114
baseline
▲ 0.50% · 4.625%
HK$30,885
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,228/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,478
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,295
−HK$829/mo
Today · 4.125%
HK$32,124
baseline
▲ 0.50% · 4.625%
HK$33,818
+HK$1,694/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,248/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,962
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,956
−HK$1,010/mo
Today · 4.125%
HK$33,966
baseline
▲ 0.50% · 4.625%
HK$36,033
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,932/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,557
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,511
−HK$967/mo
Today · 4.125%
HK$37,478
baseline
▲ 0.50% · 4.625%
HK$39,454
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,956/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,094
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,372
−HK$1,299/mo
Today · 4.125%
HK$43,671
baseline
▲ 0.50% · 4.625%
HK$46,328
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,342/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,717
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,943
−HK$1,243/mo
Today · 4.125%
HK$48,186
baseline
▲ 0.50% · 4.625%
HK$50,726
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,372/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,200 · Scale 2, in force from 26 Feb 2026)