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$24,037
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$760/mo
Today · 4.125%
HK$25,544
baseline
▲ 0.50% · 4.625%
HK$27,098
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,088/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,741
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,458
−HK$727/mo
Today · 4.125%
HK$28,185
baseline
▲ 0.50% · 4.625%
HK$29,671
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,370/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,844
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,741
−HK$912/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,518
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,306/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,089
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,949
−HK$873/mo
Today · 4.125%
HK$33,822
baseline
▲ 0.50% · 4.625%
HK$35,605
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,644/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,651
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,698
−HK$1,064/mo
Today · 4.125%
HK$35,762
baseline
▲ 0.50% · 4.625%
HK$37,938
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,524/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,437
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,441
−HK$1,018/mo
Today · 4.125%
HK$39,459
baseline
▲ 0.50% · 4.625%
HK$41,539
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,918/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,266
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,612
−HK$1,367/mo
Today · 4.125%
HK$45,979
baseline
▲ 0.50% · 4.625%
HK$48,777
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,958/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,133
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,424
−HK$1,309/mo
Today · 4.125%
HK$50,733
baseline
▲ 0.50% · 4.625%
HK$53,408
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,466/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,295 · Scale 2, in force from 26 Feb 2026)