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$23,552
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,285
−HK$744/mo
Today · 4.125%
HK$25,029
baseline
▲ 0.50% · 4.625%
HK$26,552
+HK$1,523/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,058/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,202
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,904
−HK$713/mo
Today · 4.125%
HK$27,617
baseline
▲ 0.50% · 4.625%
HK$29,073
+HK$1,456/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,234/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,263
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,142
−HK$893/mo
Today · 4.125%
HK$30,035
baseline
▲ 0.50% · 4.625%
HK$31,863
+HK$1,828/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$60,070/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,442
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,285
−HK$856/mo
Today · 4.125%
HK$33,141
baseline
▲ 0.50% · 4.625%
HK$34,888
+HK$1,747/mo
Deposit HK$4.13M · loan HK$6.20M · min. income ≈ HK$66,282/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,973
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$33,999
−HK$1,042/mo
Today · 4.125%
HK$35,041
baseline
▲ 0.50% · 4.625%
HK$37,173
+HK$2,132/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$70,082/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,682
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$37,666
−HK$998/mo
Today · 4.125%
HK$38,664
baseline
▲ 0.50% · 4.625%
HK$40,702
+HK$2,038/mo
Deposit HK$3.10M · loan HK$7.23M · min. income ≈ HK$77,328/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,394
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$43,713
−HK$1,339/mo
Today · 4.125%
HK$45,052
baseline
▲ 0.50% · 4.625%
HK$47,794
+HK$2,742/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$90,104/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,163
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$48,428
−HK$1,283/mo
Today · 4.125%
HK$49,711
baseline
▲ 0.50% · 4.625%
HK$52,331
+HK$2,620/mo
Deposit HK$1.03M · loan HK$9.30M · min. income ≈ HK$99,422/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,329 · Scale 2, in force from 26 Feb 2026)