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$23,906
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,650
−HK$755/mo
Today · 4.125%
HK$25,405
baseline
▲ 0.50% · 4.625%
HK$26,951
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,810/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,595
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,309
−HK$723/mo
Today · 4.125%
HK$28,032
baseline
▲ 0.50% · 4.625%
HK$29,510
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,064/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,687
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,580
−HK$906/mo
Today · 4.125%
HK$30,486
baseline
▲ 0.50% · 4.625%
HK$32,341
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,972/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,914
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,770
−HK$869/mo
Today · 4.125%
HK$33,639
baseline
▲ 0.50% · 4.625%
HK$35,412
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,278/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,469
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,510
−HK$1,057/mo
Today · 4.125%
HK$35,567
baseline
▲ 0.50% · 4.625%
HK$37,731
+HK$2,164/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$71,134/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,233
−HK$2,012/mo
▼ 0.25% · 3.875%
HK$38,232
−HK$1,013/mo
Today · 4.125%
HK$39,245
baseline
▲ 0.50% · 4.625%
HK$41,314
+HK$2,069/mo
Deposit HK$3.15M · loan HK$7.34M · min. income ≈ HK$78,490/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,031
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,369
−HK$1,360/mo
Today · 4.125%
HK$45,729
baseline
▲ 0.50% · 4.625%
HK$48,512
+HK$2,783/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,458/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,871
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,155
−HK$1,303/mo
Today · 4.125%
HK$50,458
baseline
▲ 0.50% · 4.625%
HK$53,118
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$100,916/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,148 · Scale 2, in force from 26 Feb 2026)