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$22,872
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,584
−HK$723/mo
Today · 4.125%
HK$24,307
baseline
▲ 0.50% · 4.625%
HK$25,786
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,614/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,445
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,128
−HK$692/mo
Today · 4.125%
HK$26,820
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,640/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,447
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$867/mo
Today · 4.125%
HK$29,168
baseline
▲ 0.50% · 4.625%
HK$30,943
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,336/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,534
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,353
−HK$831/mo
Today · 4.125%
HK$32,184
baseline
▲ 0.50% · 4.625%
HK$33,880
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,368/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,021
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,017
−HK$1,012/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$36,100
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,623
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,579
−HK$969/mo
Today · 4.125%
HK$37,548
baseline
▲ 0.50% · 4.625%
HK$39,527
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,096/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,170
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,451
−HK$1,301/mo
Today · 4.125%
HK$43,752
baseline
▲ 0.50% · 4.625%
HK$46,414
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,504/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,801
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,030
−HK$1,246/mo
Today · 4.125%
HK$48,276
baseline
▲ 0.50% · 4.625%
HK$50,821
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,552/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,059 · Scale 2, in force from 26 Feb 2026)