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$23,534
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,266
−HK$744/mo
Today · 4.125%
HK$25,010
baseline
▲ 0.50% · 4.625%
HK$26,532
+HK$1,522/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$50,020/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,182
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,884
−HK$712/mo
Today · 4.125%
HK$27,596
baseline
▲ 0.50% · 4.625%
HK$29,051
+HK$1,455/mo
Deposit HK$5.16M · loan HK$5.16M · min. income ≈ HK$55,192/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$387,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,241
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$892/mo
Today · 4.125%
HK$30,012
baseline
▲ 0.50% · 4.625%
HK$31,838
+HK$1,826/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$60,024/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,418
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,260
−HK$855/mo
Today · 4.125%
HK$33,115
baseline
▲ 0.50% · 4.625%
HK$34,861
+HK$1,746/mo
Deposit HK$4.13M · loan HK$6.19M · min. income ≈ HK$66,230/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$387,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,948
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$33,973
−HK$1,041/mo
Today · 4.125%
HK$35,014
baseline
▲ 0.50% · 4.625%
HK$37,145
+HK$2,131/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$70,028/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,654
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$37,637
−HK$998/mo
Today · 4.125%
HK$38,635
baseline
▲ 0.50% · 4.625%
HK$40,671
+HK$2,036/mo
Deposit HK$3.10M · loan HK$7.22M · min. income ≈ HK$77,270/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$387,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,362
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$43,679
−HK$1,339/mo
Today · 4.125%
HK$45,018
baseline
▲ 0.50% · 4.625%
HK$47,757
+HK$2,739/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$90,036/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,127
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$48,391
−HK$1,282/mo
Today · 4.125%
HK$49,673
baseline
▲ 0.50% · 4.625%
HK$52,291
+HK$2,618/mo
Deposit HK$1.03M · loan HK$9.29M · min. income ≈ HK$99,346/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,033 · Scale 2, in force from 26 Feb 2026)