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$1,476/mo
▼ 0.25% · 3.875%
HK$24,257
−HK$744/mo
Today · 4.125%
HK$25,001
baseline
▲ 0.50% · 4.625%
HK$26,522
+HK$1,521/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,002/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,172
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,874
−HK$712/mo
Today · 4.125%
HK$27,586
baseline
▲ 0.50% · 4.625%
HK$29,040
+HK$1,454/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,172/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$386,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,230
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,108
−HK$893/mo
Today · 4.125%
HK$30,001
baseline
▲ 0.50% · 4.625%
HK$31,826
+HK$1,825/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,002/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,406
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,248
−HK$855/mo
Today · 4.125%
HK$33,103
baseline
▲ 0.50% · 4.625%
HK$34,848
+HK$1,745/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,206/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$386,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,935
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,960
−HK$1,041/mo
Today · 4.125%
HK$35,001
baseline
▲ 0.50% · 4.625%
HK$37,130
+HK$2,129/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,002/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,640
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,623
−HK$997/mo
Today · 4.125%
HK$38,620
baseline
▲ 0.50% · 4.625%
HK$40,656
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,240/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,346
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,663
−HK$1,338/mo
Today · 4.125%
HK$45,001
baseline
▲ 0.50% · 4.625%
HK$47,739
+HK$2,738/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,002/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,109
−HK$2,545/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$386,886 · Scale 2, in force from 26 Feb 2026)