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$22,857
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,568
−HK$723/mo
Today · 4.125%
HK$24,291
baseline
▲ 0.50% · 4.625%
HK$25,769
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,582/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,429
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,111
−HK$692/mo
Today · 4.125%
HK$26,803
baseline
▲ 0.50% · 4.625%
HK$28,215
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,606/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,429
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,282
−HK$867/mo
Today · 4.125%
HK$29,149
baseline
▲ 0.50% · 4.625%
HK$30,923
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,298/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,514
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,333
−HK$830/mo
Today · 4.125%
HK$32,163
baseline
▲ 0.50% · 4.625%
HK$33,858
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,326/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,000
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,996
−HK$1,011/mo
Today · 4.125%
HK$34,007
baseline
▲ 0.50% · 4.625%
HK$36,076
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,014/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,600
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,555
−HK$969/mo
Today · 4.125%
HK$37,524
baseline
▲ 0.50% · 4.625%
HK$39,501
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,048/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,143
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,423
−HK$1,300/mo
Today · 4.125%
HK$43,723
baseline
▲ 0.50% · 4.625%
HK$46,384
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,446/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,772
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,999
−HK$1,246/mo
Today · 4.125%
HK$48,245
baseline
▲ 0.50% · 4.625%
HK$50,788
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,490/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,407 · Scale 2, in force from 26 Feb 2026)