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$22,885
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,597
−HK$723/mo
Today · 4.125%
HK$24,320
baseline
▲ 0.50% · 4.625%
HK$25,800
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,640/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,460
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,143
−HK$692/mo
Today · 4.125%
HK$26,835
baseline
▲ 0.50% · 4.625%
HK$28,250
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,670/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,462
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,317
−HK$868/mo
Today · 4.125%
HK$29,185
baseline
▲ 0.50% · 4.625%
HK$30,960
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,370/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,552
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,371
−HK$831/mo
Today · 4.125%
HK$32,202
baseline
▲ 0.50% · 4.625%
HK$33,900
+HK$1,698/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,404/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,039
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,036
−HK$1,013/mo
Today · 4.125%
HK$34,049
baseline
▲ 0.50% · 4.625%
HK$36,120
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,098/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,644
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,600
−HK$969/mo
Today · 4.125%
HK$37,569
baseline
▲ 0.50% · 4.625%
HK$39,550
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,138/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,194
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,475
−HK$1,302/mo
Today · 4.125%
HK$43,777
baseline
▲ 0.50% · 4.625%
HK$46,440
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,554/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,827
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,057
−HK$1,246/mo
Today · 4.125%
HK$48,303
baseline
▲ 0.50% · 4.625%
HK$50,849
+HK$2,546/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,606/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,630 · Scale 2, in force from 26 Feb 2026)