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$22,847
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,558
−HK$722/mo
Today · 4.125%
HK$24,280
baseline
▲ 0.50% · 4.625%
HK$25,757
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,560/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,417
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,099
−HK$691/mo
Today · 4.125%
HK$26,790
baseline
▲ 0.50% · 4.625%
HK$28,203
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,580/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,417
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,269
−HK$867/mo
Today · 4.125%
HK$29,136
baseline
▲ 0.50% · 4.625%
HK$30,909
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,272/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,501
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,319
−HK$829/mo
Today · 4.125%
HK$32,148
baseline
▲ 0.50% · 4.625%
HK$33,843
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,296/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,986
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,981
−HK$1,011/mo
Today · 4.125%
HK$33,992
baseline
▲ 0.50% · 4.625%
HK$36,060
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,984/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,584
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,538
−HK$969/mo
Today · 4.125%
HK$37,507
baseline
▲ 0.50% · 4.625%
HK$39,484
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,014/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,125
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,404
−HK$1,300/mo
Today · 4.125%
HK$43,704
baseline
▲ 0.50% · 4.625%
HK$46,363
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,408/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,751
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,978
−HK$1,245/mo
Today · 4.125%
HK$48,223
baseline
▲ 0.50% · 4.625%
HK$50,765
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,446/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,954 · Scale 2, in force from 26 Feb 2026)