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$22,890
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,602
−HK$723/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,806
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,465
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,148
−HK$693/mo
Today · 4.125%
HK$26,841
baseline
▲ 0.50% · 4.625%
HK$28,256
+HK$1,415/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,682/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$373,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,323
−HK$868/mo
Today · 4.125%
HK$29,191
baseline
▲ 0.50% · 4.625%
HK$30,967
+HK$1,776/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$58,382/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,558
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$31,378
−HK$831/mo
Today · 4.125%
HK$32,209
baseline
▲ 0.50% · 4.625%
HK$33,907
+HK$1,698/mo
Deposit HK$4.02M · loan HK$6.02M · min. income ≈ HK$64,418/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$373,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,046
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,043
−HK$1,013/mo
Today · 4.125%
HK$34,056
baseline
▲ 0.50% · 4.625%
HK$36,128
+HK$2,072/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,112/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,651
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,607
−HK$970/mo
Today · 4.125%
HK$37,577
baseline
▲ 0.50% · 4.625%
HK$39,558
+HK$1,981/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,154/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$373,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,202
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,484
−HK$1,302/mo
Today · 4.125%
HK$43,786
baseline
▲ 0.50% · 4.625%
HK$46,450
+HK$2,664/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$87,572/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,837
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,066
−HK$1,247/mo
Today · 4.125%
HK$48,313
baseline
▲ 0.50% · 4.625%
HK$50,860
+HK$2,547/mo
Deposit HK$1.00M · loan HK$9.03M · min. income ≈ HK$96,626/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$373,839 · Scale 2, in force from 26 Feb 2026)