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$23,668
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,404
−HK$748/mo
Today · 4.125%
HK$25,152
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,304/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,330
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,037
−HK$716/mo
Today · 4.125%
HK$27,753
baseline
▲ 0.50% · 4.625%
HK$29,216
+HK$1,463/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,506/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,402
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,285
−HK$898/mo
Today · 4.125%
HK$30,183
baseline
▲ 0.50% · 4.625%
HK$32,019
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,366/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,597
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$860/mo
Today · 4.125%
HK$33,304
baseline
▲ 0.50% · 4.625%
HK$35,059
+HK$1,755/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,608/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,135
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,166
−HK$1,047/mo
Today · 4.125%
HK$35,213
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$2,143/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$70,426/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,863
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,851
−HK$1,003/mo
Today · 4.125%
HK$38,854
baseline
▲ 0.50% · 4.625%
HK$40,902
+HK$2,048/mo
Deposit HK$3.11M · loan HK$7.27M · min. income ≈ HK$77,708/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,602
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,928
−HK$1,346/mo
Today · 4.125%
HK$45,274
baseline
▲ 0.50% · 4.625%
HK$48,029
+HK$2,755/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,548/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,395
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$48,666
−HK$1,289/mo
Today · 4.125%
HK$49,955
baseline
▲ 0.50% · 4.625%
HK$52,589
+HK$2,634/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,910/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,233 · Scale 2, in force from 26 Feb 2026)