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$22,834
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,544
−HK$722/mo
Today · 4.125%
HK$24,266
baseline
▲ 0.50% · 4.625%
HK$25,742
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,532/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,402
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,084
−HK$691/mo
Today · 4.125%
HK$26,775
baseline
▲ 0.50% · 4.625%
HK$28,186
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,550/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,400
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,253
−HK$866/mo
Today · 4.125%
HK$29,119
baseline
▲ 0.50% · 4.625%
HK$30,890
+HK$1,771/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,238/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,483
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,300
−HK$830/mo
Today · 4.125%
HK$32,130
baseline
▲ 0.50% · 4.625%
HK$33,823
+HK$1,693/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,260/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,967
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,961
−HK$1,011/mo
Today · 4.125%
HK$33,972
baseline
▲ 0.50% · 4.625%
HK$36,039
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,944/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,563
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,517
−HK$967/mo
Today · 4.125%
HK$37,484
baseline
▲ 0.50% · 4.625%
HK$39,460
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,968/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,101
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,379
−HK$1,299/mo
Today · 4.125%
HK$43,678
baseline
▲ 0.50% · 4.625%
HK$46,336
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,356/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,724
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,950
−HK$1,244/mo
Today · 4.125%
HK$48,194
baseline
▲ 0.50% · 4.625%
HK$50,735
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,388/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,365 · Scale 2, in force from 26 Feb 2026)