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$23,866
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,609
−HK$754/mo
Today · 4.125%
HK$25,363
baseline
▲ 0.50% · 4.625%
HK$26,906
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,726/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,551
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,263
−HK$723/mo
Today · 4.125%
HK$27,986
baseline
▲ 0.50% · 4.625%
HK$29,461
+HK$1,475/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,972/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,640
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,531
−HK$905/mo
Today · 4.125%
HK$30,436
baseline
▲ 0.50% · 4.625%
HK$32,288
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,872/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,861
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,716
−HK$867/mo
Today · 4.125%
HK$33,583
baseline
▲ 0.50% · 4.625%
HK$35,353
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,166/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,413
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,452
−HK$1,056/mo
Today · 4.125%
HK$35,508
baseline
▲ 0.50% · 4.625%
HK$37,669
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,016/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,172
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,168
−HK$1,012/mo
Today · 4.125%
HK$39,180
baseline
▲ 0.50% · 4.625%
HK$41,245
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,360/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,960
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,296
−HK$1,357/mo
Today · 4.125%
HK$45,653
baseline
▲ 0.50% · 4.625%
HK$48,431
+HK$2,778/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,306/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,792
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,074
−HK$1,300/mo
Today · 4.125%
HK$50,374
baseline
▲ 0.50% · 4.625%
HK$53,029
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,748/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,496 · Scale 2, in force from 26 Feb 2026)