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$23,648
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,384
−HK$747/mo
Today · 4.125%
HK$25,131
baseline
▲ 0.50% · 4.625%
HK$26,660
+HK$1,529/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,262/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,308
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,014
−HK$716/mo
Today · 4.125%
HK$27,730
baseline
▲ 0.50% · 4.625%
HK$29,191
+HK$1,461/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,460/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,378
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,260
−HK$897/mo
Today · 4.125%
HK$30,157
baseline
▲ 0.50% · 4.625%
HK$31,992
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,314/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,570
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,417
−HK$859/mo
Today · 4.125%
HK$33,276
baseline
▲ 0.50% · 4.625%
HK$35,030
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,552/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,107
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$34,137
−HK$1,046/mo
Today · 4.125%
HK$35,183
baseline
▲ 0.50% · 4.625%
HK$37,324
+HK$2,141/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,366/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,832
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,819
−HK$1,002/mo
Today · 4.125%
HK$38,821
baseline
▲ 0.50% · 4.625%
HK$40,868
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,642/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,567
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$43,891
−HK$1,345/mo
Today · 4.125%
HK$45,236
baseline
▲ 0.50% · 4.625%
HK$47,988
+HK$2,752/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,472/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,355
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$48,625
−HK$1,288/mo
Today · 4.125%
HK$49,913
baseline
▲ 0.50% · 4.625%
HK$52,544
+HK$2,631/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,826/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,905 · Scale 2, in force from 26 Feb 2026)