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$22,895
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,607
−HK$724/mo
Today · 4.125%
HK$24,331
baseline
▲ 0.50% · 4.625%
HK$25,811
+HK$1,480/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,662/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$374,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,471
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,154
−HK$693/mo
Today · 4.125%
HK$26,847
baseline
▲ 0.50% · 4.625%
HK$28,262
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,694/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$374,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,474
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,329
−HK$868/mo
Today · 4.125%
HK$29,197
baseline
▲ 0.50% · 4.625%
HK$30,974
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,394/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,565
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,384
−HK$832/mo
Today · 4.125%
HK$32,216
baseline
▲ 0.50% · 4.625%
HK$33,914
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,432/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,053
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,050
−HK$1,013/mo
Today · 4.125%
HK$34,063
baseline
▲ 0.50% · 4.625%
HK$36,136
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,126/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,659
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,615
−HK$970/mo
Today · 4.125%
HK$37,585
baseline
▲ 0.50% · 4.625%
HK$39,567
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,170/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,211
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,493
−HK$1,302/mo
Today · 4.125%
HK$43,795
baseline
▲ 0.50% · 4.625%
HK$46,460
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,590/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,847
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,077
−HK$1,247/mo
Today · 4.125%
HK$48,324
baseline
▲ 0.50% · 4.625%
HK$50,871
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,648/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,059 · Scale 2, in force from 26 Feb 2026)