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$23,857
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,599
−HK$754/mo
Today · 4.125%
HK$25,353
baseline
▲ 0.50% · 4.625%
HK$26,896
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,706/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,541
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,253
−HK$722/mo
Today · 4.125%
HK$27,975
baseline
▲ 0.50% · 4.625%
HK$29,449
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,950/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,629
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,519
−HK$905/mo
Today · 4.125%
HK$30,424
baseline
▲ 0.50% · 4.625%
HK$32,275
+HK$1,851/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$60,848/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,849
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,703
−HK$867/mo
Today · 4.125%
HK$33,570
baseline
▲ 0.50% · 4.625%
HK$35,339
+HK$1,769/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,140/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,400
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,439
−HK$1,055/mo
Today · 4.125%
HK$35,494
baseline
▲ 0.50% · 4.625%
HK$37,654
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,988/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,157
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,154
−HK$1,011/mo
Today · 4.125%
HK$39,165
baseline
▲ 0.50% · 4.625%
HK$41,229
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,330/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,943
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,279
−HK$1,357/mo
Today · 4.125%
HK$45,636
baseline
▲ 0.50% · 4.625%
HK$48,413
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,272/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,774
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,055
−HK$1,300/mo
Today · 4.125%
HK$50,355
baseline
▲ 0.50% · 4.625%
HK$53,009
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,710/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,344 · Scale 2, in force from 26 Feb 2026)