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$22,913
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,626
−HK$724/mo
Today · 4.125%
HK$24,350
baseline
▲ 0.50% · 4.625%
HK$25,831
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,700/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,490
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,174
−HK$693/mo
Today · 4.125%
HK$26,867
baseline
▲ 0.50% · 4.625%
HK$28,284
+HK$1,417/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,734/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,495
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$28,351
−HK$869/mo
Today · 4.125%
HK$29,220
baseline
▲ 0.50% · 4.625%
HK$30,998
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,440/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,588
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,409
−HK$832/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$33,940
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,078
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,076
−HK$1,013/mo
Today · 4.125%
HK$34,089
baseline
▲ 0.50% · 4.625%
HK$36,164
+HK$2,075/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,178/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,686
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,643
−HK$971/mo
Today · 4.125%
HK$37,614
baseline
▲ 0.50% · 4.625%
HK$39,597
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,228/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,243
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,526
−HK$1,303/mo
Today · 4.125%
HK$43,829
baseline
▲ 0.50% · 4.625%
HK$46,496
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,658/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,882
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,113
−HK$1,248/mo
Today · 4.125%
HK$48,361
baseline
▲ 0.50% · 4.625%
HK$50,911
+HK$2,550/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,722/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,835 · Scale 2, in force from 26 Feb 2026)