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$22,861
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,572
−HK$722/mo
Today · 4.125%
HK$24,294
baseline
▲ 0.50% · 4.625%
HK$25,772
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,588/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,432
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,114
−HK$692/mo
Today · 4.125%
HK$26,806
baseline
▲ 0.50% · 4.625%
HK$28,219
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,612/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,433
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,286
−HK$867/mo
Today · 4.125%
HK$29,153
baseline
▲ 0.50% · 4.625%
HK$30,927
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,306/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,519
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,337
−HK$830/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$33,863
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,005
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,000
−HK$1,012/mo
Today · 4.125%
HK$34,012
baseline
▲ 0.50% · 4.625%
HK$36,081
+HK$2,069/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,024/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,605
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,560
−HK$969/mo
Today · 4.125%
HK$37,529
baseline
▲ 0.50% · 4.625%
HK$39,507
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,058/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,149
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,429
−HK$1,300/mo
Today · 4.125%
HK$43,729
baseline
▲ 0.50% · 4.625%
HK$46,390
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,458/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,778
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,006
−HK$1,245/mo
Today · 4.125%
HK$48,251
baseline
▲ 0.50% · 4.625%
HK$50,794
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,502/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,543 · Scale 2, in force from 26 Feb 2026)