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$24,024
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$759/mo
Today · 4.125%
HK$25,531
baseline
▲ 0.50% · 4.625%
HK$27,084
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,062/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,727
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,444
−HK$727/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,656
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,342/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,829
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,726
−HK$911/mo
Today · 4.125%
HK$30,637
baseline
▲ 0.50% · 4.625%
HK$32,501
+HK$1,864/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,274/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,072
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,932
−HK$873/mo
Today · 4.125%
HK$33,805
baseline
▲ 0.50% · 4.625%
HK$35,587
+HK$1,782/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,610/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,634
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,680
−HK$1,063/mo
Today · 4.125%
HK$35,743
baseline
▲ 0.50% · 4.625%
HK$37,918
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,486/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,418
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,421
−HK$1,018/mo
Today · 4.125%
HK$39,439
baseline
▲ 0.50% · 4.625%
HK$41,518
+HK$2,079/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,878/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,244
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,589
−HK$1,367/mo
Today · 4.125%
HK$45,956
baseline
▲ 0.50% · 4.625%
HK$48,752
+HK$2,796/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,912/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,108
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,399
−HK$1,308/mo
Today · 4.125%
HK$50,707
baseline
▲ 0.50% · 4.625%
HK$53,380
+HK$2,673/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,414/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,093 · Scale 2, in force from 26 Feb 2026)