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$22,888
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,600
−HK$723/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,803
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,646/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,463
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,146
−HK$693/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,253
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,320
−HK$868/mo
Today · 4.125%
HK$29,188
baseline
▲ 0.50% · 4.625%
HK$30,964
+HK$1,776/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,376/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,555
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,375
−HK$831/mo
Today · 4.125%
HK$32,206
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,412/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,043
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,040
−HK$1,013/mo
Today · 4.125%
HK$34,053
baseline
▲ 0.50% · 4.625%
HK$36,125
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,106/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,648
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,604
−HK$970/mo
Today · 4.125%
HK$37,574
baseline
▲ 0.50% · 4.625%
HK$39,555
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,148/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,199
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,480
−HK$1,302/mo
Today · 4.125%
HK$43,782
baseline
▲ 0.50% · 4.625%
HK$46,446
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,564/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,833
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,062
−HK$1,247/mo
Today · 4.125%
HK$48,309
baseline
▲ 0.50% · 4.625%
HK$50,856
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,618/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,754 · Scale 2, in force from 26 Feb 2026)