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$23,942
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,687
−HK$757/mo
Today · 4.125%
HK$25,444
baseline
▲ 0.50% · 4.625%
HK$26,992
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,888/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,636
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$27,350
−HK$725/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,555
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,731
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$29,625
−HK$907/mo
Today · 4.125%
HK$30,532
baseline
▲ 0.50% · 4.625%
HK$32,390
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,064/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,963
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,820
−HK$870/mo
Today · 4.125%
HK$33,690
baseline
▲ 0.50% · 4.625%
HK$35,465
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,380/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,519
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,562
−HK$1,059/mo
Today · 4.125%
HK$35,621
baseline
▲ 0.50% · 4.625%
HK$37,789
+HK$2,168/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,242/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,290
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,290
−HK$1,015/mo
Today · 4.125%
HK$39,305
baseline
▲ 0.50% · 4.625%
HK$41,376
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,610/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,096
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,437
−HK$1,362/mo
Today · 4.125%
HK$45,799
baseline
▲ 0.50% · 4.625%
HK$48,585
+HK$2,786/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,598/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,944
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$49,230
−HK$1,304/mo
Today · 4.125%
HK$50,534
baseline
▲ 0.50% · 4.625%
HK$53,198
+HK$2,664/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,068/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,745 · Scale 2, in force from 26 Feb 2026)