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$23,820
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,561
−HK$752/mo
Today · 4.125%
HK$25,313
baseline
▲ 0.50% · 4.625%
HK$26,854
+HK$1,541/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,626/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,499
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$721/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,403
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,584
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,473
−HK$903/mo
Today · 4.125%
HK$30,376
baseline
▲ 0.50% · 4.625%
HK$32,224
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,752/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,799
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,652
−HK$865/mo
Today · 4.125%
HK$33,517
baseline
▲ 0.50% · 4.625%
HK$35,284
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,034/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,347
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$34,385
−HK$1,054/mo
Today · 4.125%
HK$35,439
baseline
▲ 0.50% · 4.625%
HK$37,595
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,878/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,099
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$38,094
−HK$1,009/mo
Today · 4.125%
HK$39,103
baseline
▲ 0.50% · 4.625%
HK$41,164
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,206/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,875
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,209
−HK$1,355/mo
Today · 4.125%
HK$45,564
baseline
▲ 0.50% · 4.625%
HK$48,336
+HK$2,772/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,128/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,698
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,978
−HK$1,297/mo
Today · 4.125%
HK$50,275
baseline
▲ 0.50% · 4.625%
HK$52,925
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,550/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,726 · Scale 2, in force from 26 Feb 2026)