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$22,907
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,620
−HK$724/mo
Today · 4.125%
HK$24,344
baseline
▲ 0.50% · 4.625%
HK$25,825
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,688/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,484
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,168
−HK$693/mo
Today · 4.125%
HK$26,861
baseline
▲ 0.50% · 4.625%
HK$28,277
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,722/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,489
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$28,344
−HK$869/mo
Today · 4.125%
HK$29,213
baseline
▲ 0.50% · 4.625%
HK$30,990
+HK$1,777/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,426/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,581
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,401
−HK$832/mo
Today · 4.125%
HK$32,233
baseline
▲ 0.50% · 4.625%
HK$33,932
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,466/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,070
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,068
−HK$1,013/mo
Today · 4.125%
HK$34,081
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$2,074/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,162/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,678
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,635
−HK$970/mo
Today · 4.125%
HK$37,605
baseline
▲ 0.50% · 4.625%
HK$39,588
+HK$1,983/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,210/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,233
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,516
−HK$1,303/mo
Today · 4.125%
HK$43,819
baseline
▲ 0.50% · 4.625%
HK$46,485
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,638/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,872
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,102
−HK$1,248/mo
Today · 4.125%
HK$48,350
baseline
▲ 0.50% · 4.625%
HK$50,898
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,700/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,596 · Scale 2, in force from 26 Feb 2026)