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$23,734
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,472
−HK$750/mo
Today · 4.125%
HK$25,222
baseline
▲ 0.50% · 4.625%
HK$26,757
+HK$1,535/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,444/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,404
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,112
−HK$718/mo
Today · 4.125%
HK$27,830
baseline
▲ 0.50% · 4.625%
HK$29,297
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,660/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,481
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$900/mo
Today · 4.125%
HK$30,267
baseline
▲ 0.50% · 4.625%
HK$32,108
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$60,534/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,685
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,534
−HK$862/mo
Today · 4.125%
HK$33,396
baseline
▲ 0.50% · 4.625%
HK$35,157
+HK$1,761/mo
Deposit HK$4.16M · loan HK$6.25M · min. income ≈ HK$66,792/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,261
−HK$1,050/mo
Today · 4.125%
HK$35,311
baseline
▲ 0.50% · 4.625%
HK$37,460
+HK$2,149/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,622/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,965
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$37,957
−HK$1,005/mo
Today · 4.125%
HK$38,962
baseline
▲ 0.50% · 4.625%
HK$41,016
+HK$2,054/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,924/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,721
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,050
−HK$1,350/mo
Today · 4.125%
HK$45,400
baseline
▲ 0.50% · 4.625%
HK$48,163
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,800/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,527
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,801
−HK$1,294/mo
Today · 4.125%
HK$50,095
baseline
▲ 0.50% · 4.625%
HK$52,735
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,190/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,317 · Scale 2, in force from 26 Feb 2026)