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$22,890
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,602
−HK$723/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,805
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,465
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,148
−HK$693/mo
Today · 4.125%
HK$26,841
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,682/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$868/mo
Today · 4.125%
HK$29,190
baseline
▲ 0.50% · 4.625%
HK$30,967
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,380/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,558
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,377
−HK$832/mo
Today · 4.125%
HK$32,209
baseline
▲ 0.50% · 4.625%
HK$33,906
+HK$1,697/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,418/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,046
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,043
−HK$1,012/mo
Today · 4.125%
HK$34,055
baseline
▲ 0.50% · 4.625%
HK$36,128
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,110/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,651
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,607
−HK$970/mo
Today · 4.125%
HK$37,577
baseline
▲ 0.50% · 4.625%
HK$39,558
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,154/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,202
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,483
−HK$1,303/mo
Today · 4.125%
HK$43,786
baseline
▲ 0.50% · 4.625%
HK$46,450
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,572/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,837
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,066
−HK$1,247/mo
Today · 4.125%
HK$48,313
baseline
▲ 0.50% · 4.625%
HK$50,860
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,626/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,832 · Scale 2, in force from 26 Feb 2026)