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$22,877
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,589
−HK$723/mo
Today · 4.125%
HK$24,312
baseline
▲ 0.50% · 4.625%
HK$25,791
+HK$1,479/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,624/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,450
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,133
−HK$693/mo
Today · 4.125%
HK$26,826
baseline
▲ 0.50% · 4.625%
HK$28,240
+HK$1,414/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,652/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,452
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$28,306
−HK$868/mo
Today · 4.125%
HK$29,174
baseline
▲ 0.50% · 4.625%
HK$30,949
+HK$1,775/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$58,348/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$31,360
−HK$831/mo
Today · 4.125%
HK$32,191
baseline
▲ 0.50% · 4.625%
HK$33,887
+HK$1,696/mo
Deposit HK$4.01M · loan HK$6.02M · min. income ≈ HK$64,382/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,028
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$33,024
−HK$1,012/mo
Today · 4.125%
HK$34,036
baseline
▲ 0.50% · 4.625%
HK$36,107
+HK$2,071/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$68,072/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,631
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,586
−HK$970/mo
Today · 4.125%
HK$37,556
baseline
▲ 0.50% · 4.625%
HK$39,535
+HK$1,979/mo
Deposit HK$3.01M · loan HK$7.02M · min. income ≈ HK$75,112/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$373,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,179
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,460
−HK$1,301/mo
Today · 4.125%
HK$43,761
baseline
▲ 0.50% · 4.625%
HK$46,424
+HK$2,663/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,522/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,811
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,040
−HK$1,246/mo
Today · 4.125%
HK$48,286
baseline
▲ 0.50% · 4.625%
HK$50,831
+HK$2,545/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,572/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,267 · Scale 2, in force from 26 Feb 2026)