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$22,833
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$722/mo
Today · 4.125%
HK$24,265
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,476/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,530/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,402
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,083
−HK$691/mo
Today · 4.125%
HK$26,774
baseline
▲ 0.50% · 4.625%
HK$28,185
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,548/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,400
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,252
−HK$866/mo
Today · 4.125%
HK$29,118
baseline
▲ 0.50% · 4.625%
HK$30,890
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,236/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,482
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,299
−HK$830/mo
Today · 4.125%
HK$32,129
baseline
▲ 0.50% · 4.625%
HK$33,822
+HK$1,693/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,258/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,966
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,961
−HK$1,010/mo
Today · 4.125%
HK$33,971
baseline
▲ 0.50% · 4.625%
HK$36,038
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,942/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,562
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,516
−HK$967/mo
Today · 4.125%
HK$37,483
baseline
▲ 0.50% · 4.625%
HK$39,459
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,966/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,100
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,378
−HK$1,299/mo
Today · 4.125%
HK$43,677
baseline
▲ 0.50% · 4.625%
HK$46,334
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,354/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,723
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,949
−HK$1,244/mo
Today · 4.125%
HK$48,193
baseline
▲ 0.50% · 4.625%
HK$50,733
+HK$2,540/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,386/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,338 · Scale 2, in force from 26 Feb 2026)