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$22,906
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,619
−HK$724/mo
Today · 4.125%
HK$24,343
baseline
▲ 0.50% · 4.625%
HK$25,824
+HK$1,481/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$48,686/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,483
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,166
−HK$694/mo
Today · 4.125%
HK$26,860
baseline
▲ 0.50% · 4.625%
HK$28,276
+HK$1,416/mo
Deposit HK$5.02M · loan HK$5.02M · min. income ≈ HK$53,720/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$374,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,488
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,343
−HK$868/mo
Today · 4.125%
HK$29,211
baseline
▲ 0.50% · 4.625%
HK$30,989
+HK$1,778/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$58,422/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,580
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$31,400
−HK$832/mo
Today · 4.125%
HK$32,232
baseline
▲ 0.50% · 4.625%
HK$33,931
+HK$1,699/mo
Deposit HK$4.02M · loan HK$6.03M · min. income ≈ HK$64,464/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$374,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,069
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$33,066
−HK$1,014/mo
Today · 4.125%
HK$34,080
baseline
▲ 0.50% · 4.625%
HK$36,153
+HK$2,073/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$68,160/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,676
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$36,633
−HK$971/mo
Today · 4.125%
HK$37,604
baseline
▲ 0.50% · 4.625%
HK$39,586
+HK$1,982/mo
Deposit HK$3.01M · loan HK$7.03M · min. income ≈ HK$75,208/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$374,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,231
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,514
−HK$1,303/mo
Today · 4.125%
HK$43,817
baseline
▲ 0.50% · 4.625%
HK$46,483
+HK$2,666/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$87,634/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,869
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,100
−HK$1,248/mo
Today · 4.125%
HK$48,348
baseline
▲ 0.50% · 4.625%
HK$50,896
+HK$2,548/mo
Deposit HK$1.00M · loan HK$9.04M · min. income ≈ HK$96,696/mo (50% DSR)
Upfront cash ≈ HK$1.38M (deposit + AVD stamp duty HK$374,550 · Scale 2, in force from 26 Feb 2026)