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$22,836
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,546
−HK$722/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,744
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,404
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,086
−HK$691/mo
Today · 4.125%
HK$26,777
baseline
▲ 0.50% · 4.625%
HK$28,188
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,554/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,403
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,255
−HK$866/mo
Today · 4.125%
HK$29,121
baseline
▲ 0.50% · 4.625%
HK$30,893
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,242/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,303
−HK$829/mo
Today · 4.125%
HK$32,132
baseline
▲ 0.50% · 4.625%
HK$33,826
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,264/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,970
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,964
−HK$1,011/mo
Today · 4.125%
HK$33,975
baseline
▲ 0.50% · 4.625%
HK$36,042
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,950/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,566
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,520
−HK$968/mo
Today · 4.125%
HK$37,488
baseline
▲ 0.50% · 4.625%
HK$39,464
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,976/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,104
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,383
−HK$1,299/mo
Today · 4.125%
HK$43,682
baseline
▲ 0.50% · 4.625%
HK$46,340
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,364/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,728
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,954
−HK$1,244/mo
Today · 4.125%
HK$48,198
baseline
▲ 0.50% · 4.625%
HK$50,739
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,396/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,448 · Scale 2, in force from 26 Feb 2026)