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$22,898
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,611
−HK$723/mo
Today · 4.125%
HK$24,334
baseline
▲ 0.50% · 4.625%
HK$25,815
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,668/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,474
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,157
−HK$694/mo
Today · 4.125%
HK$26,851
baseline
▲ 0.50% · 4.625%
HK$28,266
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,702/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,478
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,333
−HK$868/mo
Today · 4.125%
HK$29,201
baseline
▲ 0.50% · 4.625%
HK$30,978
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,402/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,569
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,389
−HK$832/mo
Today · 4.125%
HK$32,221
baseline
▲ 0.50% · 4.625%
HK$33,919
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,442/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,058
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$1,013/mo
Today · 4.125%
HK$34,068
baseline
▲ 0.50% · 4.625%
HK$36,141
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,136/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,664
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,620
−HK$971/mo
Today · 4.125%
HK$37,591
baseline
▲ 0.50% · 4.625%
HK$39,572
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,182/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,217
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,499
−HK$1,303/mo
Today · 4.125%
HK$43,802
baseline
▲ 0.50% · 4.625%
HK$46,467
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,604/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,854
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,083
−HK$1,248/mo
Today · 4.125%
HK$48,331
baseline
▲ 0.50% · 4.625%
HK$50,879
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,662/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,202 · Scale 2, in force from 26 Feb 2026)