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$23,973
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,718
−HK$758/mo
Today · 4.125%
HK$25,476
baseline
▲ 0.50% · 4.625%
HK$27,026
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,952/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,669
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,384
−HK$726/mo
Today · 4.125%
HK$28,110
baseline
▲ 0.50% · 4.625%
HK$29,592
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,220/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,767
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,662
−HK$909/mo
Today · 4.125%
HK$30,571
baseline
▲ 0.50% · 4.625%
HK$32,431
+HK$1,860/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,142/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,003
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,861
−HK$871/mo
Today · 4.125%
HK$33,732
baseline
▲ 0.50% · 4.625%
HK$35,510
+HK$1,778/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,464/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,562
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$34,605
−HK$1,061/mo
Today · 4.125%
HK$35,666
baseline
▲ 0.50% · 4.625%
HK$37,836
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,332/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,337
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$38,338
−HK$1,016/mo
Today · 4.125%
HK$39,354
baseline
▲ 0.50% · 4.625%
HK$41,428
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,708/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,151
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,493
−HK$1,363/mo
Today · 4.125%
HK$45,856
baseline
▲ 0.50% · 4.625%
HK$48,647
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,712/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,005
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,292
−HK$1,306/mo
Today · 4.125%
HK$50,598
baseline
▲ 0.50% · 4.625%
HK$53,265
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,196/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,241 · Scale 2, in force from 26 Feb 2026)