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$22,851
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,561
−HK$722/mo
Today · 4.125%
HK$24,283
baseline
▲ 0.50% · 4.625%
HK$25,761
+HK$1,478/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,566/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,421
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,103
−HK$691/mo
Today · 4.125%
HK$26,794
baseline
▲ 0.50% · 4.625%
HK$28,207
+HK$1,413/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,588/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$372,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,421
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,274
−HK$866/mo
Today · 4.125%
HK$29,140
baseline
▲ 0.50% · 4.625%
HK$30,913
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,280/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,505
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,323
−HK$830/mo
Today · 4.125%
HK$32,153
baseline
▲ 0.50% · 4.625%
HK$33,848
+HK$1,695/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,306/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$372,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,991
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,986
−HK$1,011/mo
Today · 4.125%
HK$33,997
baseline
▲ 0.50% · 4.625%
HK$36,065
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,994/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,589
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,544
−HK$968/mo
Today · 4.125%
HK$37,512
baseline
▲ 0.50% · 4.625%
HK$39,489
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,024/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$372,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,131
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,410
−HK$1,300/mo
Today · 4.125%
HK$43,710
baseline
▲ 0.50% · 4.625%
HK$46,370
+HK$2,660/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,420/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,758
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,985
−HK$1,245/mo
Today · 4.125%
HK$48,230
baseline
▲ 0.50% · 4.625%
HK$50,772
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,460/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$372,104 · Scale 2, in force from 26 Feb 2026)