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$22,827
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$721/mo
Today · 4.125%
HK$24,258
baseline
▲ 0.50% · 4.625%
HK$25,734
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,516/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,394
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,075
−HK$691/mo
Today · 4.125%
HK$26,766
baseline
▲ 0.50% · 4.625%
HK$28,177
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,532/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,392
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,244
−HK$866/mo
Today · 4.125%
HK$29,110
baseline
▲ 0.50% · 4.625%
HK$30,881
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,220/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,473
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,290
−HK$830/mo
Today · 4.125%
HK$32,120
baseline
▲ 0.50% · 4.625%
HK$33,813
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,240/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,957
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,951
−HK$1,010/mo
Today · 4.125%
HK$33,961
baseline
▲ 0.50% · 4.625%
HK$36,028
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,922/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,552
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,506
−HK$967/mo
Today · 4.125%
HK$37,473
baseline
▲ 0.50% · 4.625%
HK$39,448
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,946/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,088
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,366
−HK$1,298/mo
Today · 4.125%
HK$43,664
baseline
▲ 0.50% · 4.625%
HK$46,321
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,328/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,936
−HK$1,243/mo
Today · 4.125%
HK$48,179
baseline
▲ 0.50% · 4.625%
HK$50,719
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,358/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,052 · Scale 2, in force from 26 Feb 2026)