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$22,902
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,615
−HK$724/mo
Today · 4.125%
HK$24,339
baseline
▲ 0.50% · 4.625%
HK$25,820
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,678/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,479
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,162
−HK$693/mo
Today · 4.125%
HK$26,855
baseline
▲ 0.50% · 4.625%
HK$28,271
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,710/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,483
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,338
−HK$868/mo
Today · 4.125%
HK$29,206
baseline
▲ 0.50% · 4.625%
HK$30,984
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,412/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,575
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,395
−HK$831/mo
Today · 4.125%
HK$32,226
baseline
▲ 0.50% · 4.625%
HK$33,925
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,452/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,063
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,061
−HK$1,013/mo
Today · 4.125%
HK$34,074
baseline
▲ 0.50% · 4.625%
HK$36,147
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,148/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,670
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,627
−HK$970/mo
Today · 4.125%
HK$37,597
baseline
▲ 0.50% · 4.625%
HK$39,579
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,194/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,224
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,507
−HK$1,303/mo
Today · 4.125%
HK$43,810
baseline
▲ 0.50% · 4.625%
HK$46,475
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,620/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,862
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,092
−HK$1,248/mo
Today · 4.125%
HK$48,340
baseline
▲ 0.50% · 4.625%
HK$50,888
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,680/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,382 · Scale 2, in force from 26 Feb 2026)