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$22,832
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$721/mo
Today · 4.125%
HK$24,264
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,528/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,082
−HK$691/mo
Today · 4.125%
HK$26,773
baseline
▲ 0.50% · 4.625%
HK$28,184
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,546/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,399
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,251
−HK$866/mo
Today · 4.125%
HK$29,117
baseline
▲ 0.50% · 4.625%
HK$30,889
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,234/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,481
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,298
−HK$830/mo
Today · 4.125%
HK$32,128
baseline
▲ 0.50% · 4.625%
HK$33,821
+HK$1,693/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,256/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,965
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,960
−HK$1,010/mo
Today · 4.125%
HK$33,970
baseline
▲ 0.50% · 4.625%
HK$36,037
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,940/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,561
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,515
−HK$967/mo
Today · 4.125%
HK$37,482
baseline
▲ 0.50% · 4.625%
HK$39,458
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,964/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,098
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,377
−HK$1,298/mo
Today · 4.125%
HK$43,675
baseline
▲ 0.50% · 4.625%
HK$46,333
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,350/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,721
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,948
−HK$1,244/mo
Today · 4.125%
HK$48,192
baseline
▲ 0.50% · 4.625%
HK$50,732
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,384/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,306 · Scale 2, in force from 26 Feb 2026)