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$22,879
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,591
−HK$723/mo
Today · 4.125%
HK$24,314
baseline
▲ 0.50% · 4.625%
HK$25,793
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,628/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,453
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,135
−HK$693/mo
Today · 4.125%
HK$26,828
baseline
▲ 0.50% · 4.625%
HK$28,242
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,656/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,455
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$28,309
−HK$867/mo
Today · 4.125%
HK$29,176
baseline
▲ 0.50% · 4.625%
HK$30,952
+HK$1,776/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,352/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,543
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,362
−HK$831/mo
Today · 4.125%
HK$32,193
baseline
▲ 0.50% · 4.625%
HK$33,890
+HK$1,697/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,386/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,030
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,027
−HK$1,012/mo
Today · 4.125%
HK$34,039
baseline
▲ 0.50% · 4.625%
HK$36,110
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,078/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,634
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,589
−HK$970/mo
Today · 4.125%
HK$37,559
baseline
▲ 0.50% · 4.625%
HK$39,539
+HK$1,980/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,118/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,182
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,463
−HK$1,302/mo
Today · 4.125%
HK$43,765
baseline
▲ 0.50% · 4.625%
HK$46,427
+HK$2,662/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,530/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,815
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,043
−HK$1,247/mo
Today · 4.125%
HK$48,290
baseline
▲ 0.50% · 4.625%
HK$50,835
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,580/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,348 · Scale 2, in force from 26 Feb 2026)