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$22,841
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,551
−HK$722/mo
Today · 4.125%
HK$24,273
baseline
▲ 0.50% · 4.625%
HK$25,750
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,546/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,410
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,092
−HK$691/mo
Today · 4.125%
HK$26,783
baseline
▲ 0.50% · 4.625%
HK$28,195
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,566/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,409
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,262
−HK$866/mo
Today · 4.125%
HK$29,128
baseline
▲ 0.50% · 4.625%
HK$30,900
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,256/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,492
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,310
−HK$830/mo
Today · 4.125%
HK$32,140
baseline
▲ 0.50% · 4.625%
HK$33,834
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,280/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,977
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,972
−HK$1,011/mo
Today · 4.125%
HK$33,983
baseline
▲ 0.50% · 4.625%
HK$36,050
+HK$2,067/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,966/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,575
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,529
−HK$967/mo
Today · 4.125%
HK$37,496
baseline
▲ 0.50% · 4.625%
HK$39,473
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$74,992/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,114
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,393
−HK$1,299/mo
Today · 4.125%
HK$43,692
baseline
▲ 0.50% · 4.625%
HK$46,351
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,384/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,739
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,965
−HK$1,245/mo
Today · 4.125%
HK$48,210
baseline
▲ 0.50% · 4.625%
HK$50,751
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,420/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,685 · Scale 2, in force from 26 Feb 2026)