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$22,868
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,580
−HK$722/mo
Today · 4.125%
HK$24,302
baseline
▲ 0.50% · 4.625%
HK$25,781
+HK$1,479/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,604/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,441
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,123
−HK$692/mo
Today · 4.125%
HK$26,815
baseline
▲ 0.50% · 4.625%
HK$28,229
+HK$1,414/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,630/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,442
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,296
−HK$867/mo
Today · 4.125%
HK$29,163
baseline
▲ 0.50% · 4.625%
HK$30,937
+HK$1,774/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,326/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,529
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,348
−HK$830/mo
Today · 4.125%
HK$32,178
baseline
▲ 0.50% · 4.625%
HK$33,875
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,356/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,016
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,012
−HK$1,011/mo
Today · 4.125%
HK$34,023
baseline
▲ 0.50% · 4.625%
HK$36,094
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,046/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,617
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,572
−HK$970/mo
Today · 4.125%
HK$37,542
baseline
▲ 0.50% · 4.625%
HK$39,520
+HK$1,978/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,084/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,163
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,444
−HK$1,300/mo
Today · 4.125%
HK$43,744
baseline
▲ 0.50% · 4.625%
HK$46,406
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,488/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,794
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,022
−HK$1,246/mo
Today · 4.125%
HK$48,268
baseline
▲ 0.50% · 4.625%
HK$50,812
+HK$2,544/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,536/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,888 · Scale 2, in force from 26 Feb 2026)