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$23,525
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,257
−HK$743/mo
Today · 4.125%
HK$25,000
baseline
▲ 0.50% · 4.625%
HK$26,521
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,000/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,171
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,873
−HK$712/mo
Today · 4.125%
HK$27,585
baseline
▲ 0.50% · 4.625%
HK$29,039
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,170/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,230
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,108
−HK$892/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,826
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,000/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,406
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,248
−HK$854/mo
Today · 4.125%
HK$33,102
baseline
▲ 0.50% · 4.625%
HK$34,847
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,204/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,935
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,960
−HK$1,040/mo
Today · 4.125%
HK$35,000
baseline
▲ 0.50% · 4.625%
HK$37,130
+HK$2,130/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,000/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,640
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$37,623
−HK$996/mo
Today · 4.125%
HK$38,619
baseline
▲ 0.50% · 4.625%
HK$40,655
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,238/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,345
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,662
−HK$1,338/mo
Today · 4.125%
HK$45,000
baseline
▲ 0.50% · 4.625%
HK$47,739
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,000/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,108
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,372
−HK$1,282/mo
Today · 4.125%
HK$49,654
baseline
▲ 0.50% · 4.625%
HK$52,271
+HK$2,617/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,308/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,882 · Scale 2, in force from 26 Feb 2026)