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$22,837
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$722/mo
Today · 4.125%
HK$24,269
baseline
▲ 0.50% · 4.625%
HK$25,746
+HK$1,477/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$48,538/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,406
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,087
−HK$692/mo
Today · 4.125%
HK$26,779
baseline
▲ 0.50% · 4.625%
HK$28,190
+HK$1,411/mo
Deposit HK$5.01M · loan HK$5.01M · min. income ≈ HK$53,558/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$371,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,404
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$28,257
−HK$866/mo
Today · 4.125%
HK$29,123
baseline
▲ 0.50% · 4.625%
HK$30,895
+HK$1,772/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$58,246/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,487
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,305
−HK$829/mo
Today · 4.125%
HK$32,134
baseline
▲ 0.50% · 4.625%
HK$33,828
+HK$1,694/mo
Deposit HK$4.01M · loan HK$6.01M · min. income ≈ HK$64,268/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$371,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,972
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,966
−HK$1,011/mo
Today · 4.125%
HK$33,977
baseline
▲ 0.50% · 4.625%
HK$36,044
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,954/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,568
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$36,522
−HK$968/mo
Today · 4.125%
HK$37,490
baseline
▲ 0.50% · 4.625%
HK$39,466
+HK$1,976/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,980/mo (50% DSR)
Upfront cash ≈ HK$3.38M (deposit + AVD stamp duty HK$371,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,107
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,385
−HK$1,299/mo
Today · 4.125%
HK$43,684
baseline
▲ 0.50% · 4.625%
HK$46,342
+HK$2,658/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,368/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,731
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,957
−HK$1,244/mo
Today · 4.125%
HK$48,201
baseline
▲ 0.50% · 4.625%
HK$50,742
+HK$2,541/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,402/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$371,510 · Scale 2, in force from 26 Feb 2026)