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$1,498/mo
▼ 0.25% · 3.875%
HK$24,640
−HK$755/mo
Today · 4.125%
HK$25,395
baseline
▲ 0.50% · 4.625%
HK$26,940
+HK$1,545/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,790/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,585
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,298
−HK$723/mo
Today · 4.125%
HK$28,021
baseline
▲ 0.50% · 4.625%
HK$29,498
+HK$1,477/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,042/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,676
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,568
−HK$906/mo
Today · 4.125%
HK$30,474
baseline
▲ 0.50% · 4.625%
HK$32,329
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,948/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,902
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,757
−HK$868/mo
Today · 4.125%
HK$33,625
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$1,773/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,250/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,455
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,496
−HK$1,057/mo
Today · 4.125%
HK$35,553
baseline
▲ 0.50% · 4.625%
HK$37,717
+HK$2,164/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,106/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$392,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,219
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,217
−HK$1,013/mo
Today · 4.125%
HK$39,230
baseline
▲ 0.50% · 4.625%
HK$41,297
+HK$2,067/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$392,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,014
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,352
−HK$1,359/mo
Today · 4.125%
HK$45,711
baseline
▲ 0.50% · 4.625%
HK$48,493
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,422/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,853
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,136
−HK$1,302/mo
Today · 4.125%
HK$50,438
baseline
▲ 0.50% · 4.625%
HK$53,097
+HK$2,659/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,876/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,993 · Scale 2, in force from 26 Feb 2026)