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$22,831
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,541
−HK$721/mo
Today · 4.125%
HK$24,262
baseline
▲ 0.50% · 4.625%
HK$25,739
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,524/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,399
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,080
−HK$691/mo
Today · 4.125%
HK$26,771
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,542/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,397
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,249
−HK$866/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,887
+HK$1,772/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,479
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,296
−HK$829/mo
Today · 4.125%
HK$32,125
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,694/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,250/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,963
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,957
−HK$1,010/mo
Today · 4.125%
HK$33,967
baseline
▲ 0.50% · 4.625%
HK$36,034
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,934/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,559
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,512
−HK$968/mo
Today · 4.125%
HK$37,480
baseline
▲ 0.50% · 4.625%
HK$39,455
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,960/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$371,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,095
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,374
−HK$1,298/mo
Today · 4.125%
HK$43,672
baseline
▲ 0.50% · 4.625%
HK$46,330
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,344/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,718
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,944
−HK$1,244/mo
Today · 4.125%
HK$48,188
baseline
▲ 0.50% · 4.625%
HK$50,728
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,376/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,238 · Scale 2, in force from 26 Feb 2026)