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$22,848
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$722/mo
Today · 4.125%
HK$24,281
baseline
▲ 0.50% · 4.625%
HK$25,758
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,562/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,418
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,100
−HK$691/mo
Today · 4.125%
HK$26,791
baseline
▲ 0.50% · 4.625%
HK$28,203
+HK$1,412/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,582/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,417
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$28,270
−HK$867/mo
Today · 4.125%
HK$29,137
baseline
▲ 0.50% · 4.625%
HK$30,910
+HK$1,773/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,274/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,502
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$31,320
−HK$830/mo
Today · 4.125%
HK$32,150
baseline
▲ 0.50% · 4.625%
HK$33,844
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,300/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,987
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$32,982
−HK$1,011/mo
Today · 4.125%
HK$33,993
baseline
▲ 0.50% · 4.625%
HK$36,061
+HK$2,068/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$67,986/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,585
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,540
−HK$968/mo
Today · 4.125%
HK$37,508
baseline
▲ 0.50% · 4.625%
HK$39,485
+HK$1,977/mo
Deposit HK$3.01M · loan HK$7.01M · min. income ≈ HK$75,016/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,126
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,405
−HK$1,300/mo
Today · 4.125%
HK$43,705
baseline
▲ 0.50% · 4.625%
HK$46,364
+HK$2,659/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$87,410/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,752
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,979
−HK$1,245/mo
Today · 4.125%
HK$48,224
baseline
▲ 0.50% · 4.625%
HK$50,766
+HK$2,542/mo
Deposit HK$1.00M · loan HK$9.02M · min. income ≈ HK$96,448/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,987 · Scale 2, in force from 26 Feb 2026)