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$23,524
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,256
−HK$744/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$386,873 · 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$386,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,229
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,107
−HK$893/mo
Today · 4.125%
HK$30,000
baseline
▲ 0.50% · 4.625%
HK$31,825
+HK$1,825/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$386,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,405
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,247
−HK$855/mo
Today · 4.125%
HK$33,102
baseline
▲ 0.50% · 4.625%
HK$34,846
+HK$1,744/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$386,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,934
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,959
−HK$1,041/mo
Today · 4.125%
HK$35,000
baseline
▲ 0.50% · 4.625%
HK$37,129
+HK$2,129/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$70,000/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,639
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,622
−HK$997/mo
Today · 4.125%
HK$38,619
baseline
▲ 0.50% · 4.625%
HK$40,654
+HK$2,035/mo
Deposit HK$3.09M · loan HK$7.22M · min. income ≈ HK$77,238/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$386,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,344
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$43,661
−HK$1,338/mo
Today · 4.125%
HK$44,999
baseline
▲ 0.50% · 4.625%
HK$47,738
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$89,998/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,107
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$48,371
−HK$1,281/mo
Today · 4.125%
HK$49,652
baseline
▲ 0.50% · 4.625%
HK$52,270
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.28M · min. income ≈ HK$99,304/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$386,873 · Scale 2, in force from 26 Feb 2026)