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$23,657
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,393
−HK$748/mo
Today · 4.125%
HK$25,141
baseline
▲ 0.50% · 4.625%
HK$26,671
+HK$1,530/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,282/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,319
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,025
−HK$716/mo
Today · 4.125%
HK$27,741
baseline
▲ 0.50% · 4.625%
HK$29,203
+HK$1,462/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,482/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,389
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,272
−HK$897/mo
Today · 4.125%
HK$30,169
baseline
▲ 0.50% · 4.625%
HK$32,005
+HK$1,836/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,338/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,582
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,429
−HK$860/mo
Today · 4.125%
HK$33,289
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,578/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,120
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$34,151
−HK$1,046/mo
Today · 4.125%
HK$35,197
baseline
▲ 0.50% · 4.625%
HK$37,339
+HK$2,142/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,394/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,846
−HK$1,991/mo
▼ 0.25% · 3.875%
HK$37,834
−HK$1,003/mo
Today · 4.125%
HK$38,837
baseline
▲ 0.50% · 4.625%
HK$40,884
+HK$2,047/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,674/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,583
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$43,908
−HK$1,346/mo
Today · 4.125%
HK$45,254
baseline
▲ 0.50% · 4.625%
HK$48,007
+HK$2,753/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$90,508/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,374
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$48,644
−HK$1,289/mo
Today · 4.125%
HK$49,933
baseline
▲ 0.50% · 4.625%
HK$52,565
+HK$2,632/mo
Deposit HK$1.04M · loan HK$9.34M · min. income ≈ HK$99,866/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,060 · Scale 2, in force from 26 Feb 2026)