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$24,030
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,778
−HK$759/mo
Today · 4.125%
HK$25,537
baseline
▲ 0.50% · 4.625%
HK$27,091
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,074/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,733
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,450
−HK$728/mo
Today · 4.125%
HK$28,178
baseline
▲ 0.50% · 4.625%
HK$29,663
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,356/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,836
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,733
−HK$912/mo
Today · 4.125%
HK$30,645
baseline
▲ 0.50% · 4.625%
HK$32,509
+HK$1,864/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,290/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,080
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,940
−HK$873/mo
Today · 4.125%
HK$33,813
baseline
▲ 0.50% · 4.625%
HK$35,596
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,626/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,642
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,689
−HK$1,063/mo
Today · 4.125%
HK$35,752
baseline
▲ 0.50% · 4.625%
HK$37,927
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,504/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,427
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,431
−HK$1,018/mo
Today · 4.125%
HK$39,449
baseline
▲ 0.50% · 4.625%
HK$41,528
+HK$2,079/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,898/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,254
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,600
−HK$1,367/mo
Today · 4.125%
HK$45,967
baseline
▲ 0.50% · 4.625%
HK$48,764
+HK$2,797/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,934/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,120
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,411
−HK$1,309/mo
Today · 4.125%
HK$50,720
baseline
▲ 0.50% · 4.625%
HK$53,393
+HK$2,673/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,440/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,190 · Scale 2, in force from 26 Feb 2026)