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$22,864
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,575
−HK$723/mo
Today · 4.125%
HK$24,298
baseline
▲ 0.50% · 4.625%
HK$25,776
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,596/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,436
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,118
−HK$692/mo
Today · 4.125%
HK$26,810
baseline
▲ 0.50% · 4.625%
HK$28,224
+HK$1,414/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,620/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$372,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,437
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,290
−HK$867/mo
Today · 4.125%
HK$29,157
baseline
▲ 0.50% · 4.625%
HK$30,932
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,314/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,523
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$31,342
−HK$830/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$33,868
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,010
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$1,012/mo
Today · 4.125%
HK$34,017
baseline
▲ 0.50% · 4.625%
HK$36,087
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,034/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,611
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,566
−HK$968/mo
Today · 4.125%
HK$37,534
baseline
▲ 0.50% · 4.625%
HK$39,513
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,068/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,155
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,436
−HK$1,300/mo
Today · 4.125%
HK$43,736
baseline
▲ 0.50% · 4.625%
HK$46,397
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,472/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,785
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,013
−HK$1,246/mo
Today · 4.125%
HK$48,259
baseline
▲ 0.50% · 4.625%
HK$50,802
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,518/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$372,700 · Scale 2, in force from 26 Feb 2026)