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$22,902
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,614
−HK$724/mo
Today · 4.125%
HK$24,338
baseline
▲ 0.50% · 4.625%
HK$25,819
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,676/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,478
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,161
−HK$693/mo
Today · 4.125%
HK$26,854
baseline
▲ 0.50% · 4.625%
HK$28,270
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,708/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,337
−HK$868/mo
Today · 4.125%
HK$29,205
baseline
▲ 0.50% · 4.625%
HK$30,982
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,410/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,573
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,393
−HK$832/mo
Today · 4.125%
HK$32,225
baseline
▲ 0.50% · 4.625%
HK$33,924
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,450/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,062
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,060
−HK$1,013/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$36,146
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,669
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,626
−HK$970/mo
Today · 4.125%
HK$37,596
baseline
▲ 0.50% · 4.625%
HK$39,578
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,192/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,505
−HK$1,303/mo
Today · 4.125%
HK$43,808
baseline
▲ 0.50% · 4.625%
HK$46,474
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,616/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,860
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,090
−HK$1,248/mo
Today · 4.125%
HK$48,338
baseline
▲ 0.50% · 4.625%
HK$50,886
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,676/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,347 · Scale 2, in force from 26 Feb 2026)