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$22,897
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,610
−HK$723/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,814
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$374,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,473
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,156
−HK$693/mo
Today · 4.125%
HK$26,849
baseline
▲ 0.50% · 4.625%
HK$28,265
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,698/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$374,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,477
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,332
−HK$868/mo
Today · 4.125%
HK$29,200
baseline
▲ 0.50% · 4.625%
HK$30,977
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,400/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,568
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,388
−HK$831/mo
Today · 4.125%
HK$32,219
baseline
▲ 0.50% · 4.625%
HK$33,918
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,438/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,056
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,054
−HK$1,013/mo
Today · 4.125%
HK$34,067
baseline
▲ 0.50% · 4.625%
HK$36,139
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,134/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,662
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,619
−HK$970/mo
Today · 4.125%
HK$37,589
baseline
▲ 0.50% · 4.625%
HK$39,571
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,178/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,215
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,497
−HK$1,303/mo
Today · 4.125%
HK$43,800
baseline
▲ 0.50% · 4.625%
HK$46,465
+HK$2,665/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,600/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,852
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,081
−HK$1,248/mo
Today · 4.125%
HK$48,329
baseline
▲ 0.50% · 4.625%
HK$50,876
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,658/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,160 · Scale 2, in force from 26 Feb 2026)