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$23,897
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,640
−HK$756/mo
Today · 4.125%
HK$25,396
baseline
▲ 0.50% · 4.625%
HK$26,941
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,792/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,585
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,298
−HK$724/mo
Today · 4.125%
HK$28,022
baseline
▲ 0.50% · 4.625%
HK$29,499
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,044/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,677
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,569
−HK$906/mo
Today · 4.125%
HK$30,475
baseline
▲ 0.50% · 4.625%
HK$32,329
+HK$1,854/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,950/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,902
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,758
−HK$868/mo
Today · 4.125%
HK$33,626
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,252/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,456
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,497
−HK$1,057/mo
Today · 4.125%
HK$35,554
baseline
▲ 0.50% · 4.625%
HK$37,717
+HK$2,163/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,108/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,219
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,218
−HK$1,012/mo
Today · 4.125%
HK$39,230
baseline
▲ 0.50% · 4.625%
HK$41,298
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,460/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,015
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,353
−HK$1,359/mo
Today · 4.125%
HK$45,712
baseline
▲ 0.50% · 4.625%
HK$48,494
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,424/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,854
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,137
−HK$1,302/mo
Today · 4.125%
HK$50,439
baseline
▲ 0.50% · 4.625%
HK$53,098
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,878/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,001 · Scale 2, in force from 26 Feb 2026)