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$22,840
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,551
−HK$721/mo
Today · 4.125%
HK$24,272
baseline
▲ 0.50% · 4.625%
HK$25,749
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,544/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,409
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,091
−HK$691/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,194
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,564/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,408
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,261
−HK$866/mo
Today · 4.125%
HK$29,127
baseline
▲ 0.50% · 4.625%
HK$30,899
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,254/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,491
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,309
−HK$830/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$371,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,976
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,971
−HK$1,010/mo
Today · 4.125%
HK$33,981
baseline
▲ 0.50% · 4.625%
HK$36,049
+HK$2,068/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,962/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,573
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,527
−HK$968/mo
Today · 4.125%
HK$37,495
baseline
▲ 0.50% · 4.625%
HK$39,472
+HK$1,977/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,990/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,112
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,391
−HK$1,299/mo
Today · 4.125%
HK$43,690
baseline
▲ 0.50% · 4.625%
HK$46,349
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,380/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,737
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,964
−HK$1,244/mo
Today · 4.125%
HK$48,208
baseline
▲ 0.50% · 4.625%
HK$50,749
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,416/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,650 · Scale 2, in force from 26 Feb 2026)