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$22,911
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,624
−HK$724/mo
Today · 4.125%
HK$24,348
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,482/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,696/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,489
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,172
−HK$694/mo
Today · 4.125%
HK$26,866
baseline
▲ 0.50% · 4.625%
HK$28,282
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,732/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,494
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,349
−HK$869/mo
Today · 4.125%
HK$29,218
baseline
▲ 0.50% · 4.625%
HK$30,995
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,436/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,586
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$31,407
−HK$832/mo
Today · 4.125%
HK$32,239
baseline
▲ 0.50% · 4.625%
HK$33,938
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,478/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,076
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,074
−HK$1,013/mo
Today · 4.125%
HK$34,087
baseline
▲ 0.50% · 4.625%
HK$36,161
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,174/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,684
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,641
−HK$971/mo
Today · 4.125%
HK$37,612
baseline
▲ 0.50% · 4.625%
HK$39,594
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,224/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,240
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,523
−HK$1,303/mo
Today · 4.125%
HK$43,826
baseline
▲ 0.50% · 4.625%
HK$46,493
+HK$2,667/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,652/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,879
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,110
−HK$1,248/mo
Today · 4.125%
HK$48,358
baseline
▲ 0.50% · 4.625%
HK$50,907
+HK$2,549/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,716/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,768 · Scale 2, in force from 26 Feb 2026)