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$22,856
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,567
−HK$723/mo
Today · 4.125%
HK$24,290
baseline
▲ 0.50% · 4.625%
HK$25,768
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,580/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,427
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,109
−HK$692/mo
Today · 4.125%
HK$26,801
baseline
▲ 0.50% · 4.625%
HK$28,214
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,602/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,428
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,281
−HK$867/mo
Today · 4.125%
HK$29,148
baseline
▲ 0.50% · 4.625%
HK$30,921
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,296/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,513
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,331
−HK$830/mo
Today · 4.125%
HK$32,161
baseline
▲ 0.50% · 4.625%
HK$33,857
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,322/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,999
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,994
−HK$1,011/mo
Today · 4.125%
HK$34,005
baseline
▲ 0.50% · 4.625%
HK$36,075
+HK$2,070/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,010/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,598
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$36,553
−HK$969/mo
Today · 4.125%
HK$37,522
baseline
▲ 0.50% · 4.625%
HK$39,499
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,044/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,141
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,421
−HK$1,300/mo
Today · 4.125%
HK$43,721
baseline
▲ 0.50% · 4.625%
HK$46,382
+HK$2,661/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,442/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,769
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,997
−HK$1,245/mo
Today · 4.125%
HK$48,242
baseline
▲ 0.50% · 4.625%
HK$50,785
+HK$2,543/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,484/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,357 · Scale 2, in force from 26 Feb 2026)