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$22,914
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,627
−HK$724/mo
Today · 4.125%
HK$24,351
baseline
▲ 0.50% · 4.625%
HK$25,833
+HK$1,482/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,702/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,492
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,176
−HK$693/mo
Today · 4.125%
HK$26,869
baseline
▲ 0.50% · 4.625%
HK$28,285
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,738/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,497
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,352
−HK$869/mo
Today · 4.125%
HK$29,221
baseline
▲ 0.50% · 4.625%
HK$30,999
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,442/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,590
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,411
−HK$832/mo
Today · 4.125%
HK$32,243
baseline
▲ 0.50% · 4.625%
HK$33,942
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,486/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,080
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$33,078
−HK$1,014/mo
Today · 4.125%
HK$34,092
baseline
▲ 0.50% · 4.625%
HK$36,166
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,184/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,689
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,646
−HK$971/mo
Today · 4.125%
HK$37,617
baseline
▲ 0.50% · 4.625%
HK$39,600
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,234/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,246
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,529
−HK$1,303/mo
Today · 4.125%
HK$43,832
baseline
▲ 0.50% · 4.625%
HK$46,499
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,664/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,885
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,116
−HK$1,248/mo
Today · 4.125%
HK$48,364
baseline
▲ 0.50% · 4.625%
HK$50,914
+HK$2,550/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,728/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,897 · Scale 2, in force from 26 Feb 2026)