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$22,841
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,551
−HK$722/mo
Today · 4.125%
HK$24,273
baseline
▲ 0.50% · 4.625%
HK$25,750
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,546/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,410
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,091
−HK$692/mo
Today · 4.125%
HK$26,783
baseline
▲ 0.50% · 4.625%
HK$28,195
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,566/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,409
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,261
−HK$867/mo
Today · 4.125%
HK$29,128
baseline
▲ 0.50% · 4.625%
HK$30,900
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,256/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,492
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,310
−HK$829/mo
Today · 4.125%
HK$32,139
baseline
▲ 0.50% · 4.625%
HK$33,833
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,278/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,977
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,972
−HK$1,010/mo
Today · 4.125%
HK$33,982
baseline
▲ 0.50% · 4.625%
HK$36,050
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,964/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,574
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,528
−HK$968/mo
Today · 4.125%
HK$37,496
baseline
▲ 0.50% · 4.625%
HK$39,472
+HK$1,976/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$74,992/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,113
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,392
−HK$1,299/mo
Today · 4.125%
HK$43,691
baseline
▲ 0.50% · 4.625%
HK$46,350
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,382/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,738
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,965
−HK$1,244/mo
Today · 4.125%
HK$48,209
baseline
▲ 0.50% · 4.625%
HK$50,750
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,418/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,671 · Scale 2, in force from 26 Feb 2026)