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$22,845
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,556
−HK$722/mo
Today · 4.125%
HK$24,278
baseline
▲ 0.50% · 4.625%
HK$25,755
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,556/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,415
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,096
−HK$692/mo
Today · 4.125%
HK$26,788
baseline
▲ 0.50% · 4.625%
HK$28,200
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,576/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,414
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,267
−HK$866/mo
Today · 4.125%
HK$29,133
baseline
▲ 0.50% · 4.625%
HK$30,906
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,266/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,498
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,316
−HK$829/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$33,840
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,983
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,978
−HK$1,011/mo
Today · 4.125%
HK$33,989
baseline
▲ 0.50% · 4.625%
HK$36,057
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,978/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,581
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,535
−HK$968/mo
Today · 4.125%
HK$37,503
baseline
▲ 0.50% · 4.625%
HK$39,480
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,006/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,121
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,400
−HK$1,300/mo
Today · 4.125%
HK$43,700
baseline
▲ 0.50% · 4.625%
HK$46,359
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,400/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,747
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,973
−HK$1,245/mo
Today · 4.125%
HK$48,218
baseline
▲ 0.50% · 4.625%
HK$50,760
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,436/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,859 · Scale 2, in force from 26 Feb 2026)