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$23,796
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,536
−HK$752/mo
Today · 4.125%
HK$25,288
baseline
▲ 0.50% · 4.625%
HK$26,827
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,576/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,473
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$720/mo
Today · 4.125%
HK$27,903
baseline
▲ 0.50% · 4.625%
HK$29,374
+HK$1,471/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,806/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,555
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,443
−HK$903/mo
Today · 4.125%
HK$30,346
baseline
▲ 0.50% · 4.625%
HK$32,192
+HK$1,846/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,692/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,767
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,619
−HK$865/mo
Today · 4.125%
HK$33,484
baseline
▲ 0.50% · 4.625%
HK$35,248
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,968/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,314
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$34,351
−HK$1,052/mo
Today · 4.125%
HK$35,403
baseline
▲ 0.50% · 4.625%
HK$37,558
+HK$2,155/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,806/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,062
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$38,056
−HK$1,008/mo
Today · 4.125%
HK$39,064
baseline
▲ 0.50% · 4.625%
HK$41,123
+HK$2,059/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,128/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,833
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,165
−HK$1,354/mo
Today · 4.125%
HK$45,519
baseline
▲ 0.50% · 4.625%
HK$48,288
+HK$2,769/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,038/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,651
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,929
−HK$1,296/mo
Today · 4.125%
HK$50,225
baseline
▲ 0.50% · 4.625%
HK$52,873
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,450/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,337 · Scale 2, in force from 26 Feb 2026)