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$24,015
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,762
−HK$759/mo
Today · 4.125%
HK$25,521
baseline
▲ 0.50% · 4.625%
HK$27,074
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,042/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,717
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,433
−HK$727/mo
Today · 4.125%
HK$28,160
baseline
▲ 0.50% · 4.625%
HK$29,645
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,320/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,818
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,715
−HK$911/mo
Today · 4.125%
HK$30,626
baseline
▲ 0.50% · 4.625%
HK$32,489
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,252/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,060
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,920
−HK$872/mo
Today · 4.125%
HK$33,792
baseline
▲ 0.50% · 4.625%
HK$35,573
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,584/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,621
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,667
−HK$1,063/mo
Today · 4.125%
HK$35,730
baseline
▲ 0.50% · 4.625%
HK$37,904
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,460/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,403
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,407
−HK$1,017/mo
Today · 4.125%
HK$39,424
baseline
▲ 0.50% · 4.625%
HK$41,502
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,848/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,228
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,572
−HK$1,366/mo
Today · 4.125%
HK$45,938
baseline
▲ 0.50% · 4.625%
HK$48,733
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,876/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,090
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,380
−HK$1,308/mo
Today · 4.125%
HK$50,688
baseline
▲ 0.50% · 4.625%
HK$53,360
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,376/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,944 · Scale 2, in force from 26 Feb 2026)