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$23,629
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,364
−HK$746/mo
Today · 4.125%
HK$25,110
baseline
▲ 0.50% · 4.625%
HK$26,638
+HK$1,528/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,220/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,287
−HK$1,420/mo
▼ 0.25% · 3.875%
HK$26,992
−HK$715/mo
Today · 4.125%
HK$27,707
baseline
▲ 0.50% · 4.625%
HK$29,167
+HK$1,460/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,414/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,354
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,236
−HK$896/mo
Today · 4.125%
HK$30,132
baseline
▲ 0.50% · 4.625%
HK$31,966
+HK$1,834/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$60,264/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,544
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,390
−HK$858/mo
Today · 4.125%
HK$33,248
baseline
▲ 0.50% · 4.625%
HK$35,001
+HK$1,753/mo
Deposit HK$4.14M · loan HK$6.22M · min. income ≈ HK$66,496/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$388,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,080
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$34,109
−HK$1,045/mo
Today · 4.125%
HK$35,154
baseline
▲ 0.50% · 4.625%
HK$37,293
+HK$2,139/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$70,308/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,801
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$37,788
−HK$1,001/mo
Today · 4.125%
HK$38,789
baseline
▲ 0.50% · 4.625%
HK$40,834
+HK$2,045/mo
Deposit HK$3.11M · loan HK$7.25M · min. income ≈ HK$77,578/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,531
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,854
−HK$1,345/mo
Today · 4.125%
HK$45,199
baseline
▲ 0.50% · 4.625%
HK$47,949
+HK$2,750/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,398/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,316
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$48,585
−HK$1,287/mo
Today · 4.125%
HK$49,872
baseline
▲ 0.50% · 4.625%
HK$52,501
+HK$2,629/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,744/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$388,585 · Scale 2, in force from 26 Feb 2026)