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$23,777
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,517
−HK$751/mo
Today · 4.125%
HK$25,268
baseline
▲ 0.50% · 4.625%
HK$26,806
+HK$1,538/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,536/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$391,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,452
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,161
−HK$720/mo
Today · 4.125%
HK$27,881
baseline
▲ 0.50% · 4.625%
HK$29,351
+HK$1,470/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,762/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$391,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,533
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,420
−HK$902/mo
Today · 4.125%
HK$30,322
baseline
▲ 0.50% · 4.625%
HK$32,167
+HK$1,845/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$60,644/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,594
−HK$863/mo
Today · 4.125%
HK$33,457
baseline
▲ 0.50% · 4.625%
HK$35,221
+HK$1,764/mo
Deposit HK$4.17M · loan HK$6.26M · min. income ≈ HK$66,914/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$391,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,288
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$34,324
−HK$1,052/mo
Today · 4.125%
HK$35,376
baseline
▲ 0.50% · 4.625%
HK$37,528
+HK$2,152/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,752/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,033
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$38,026
−HK$1,008/mo
Today · 4.125%
HK$39,034
baseline
▲ 0.50% · 4.625%
HK$41,091
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,068/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,799
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,131
−HK$1,352/mo
Today · 4.125%
HK$45,483
baseline
▲ 0.50% · 4.625%
HK$48,251
+HK$2,768/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,966/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,614
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,891
−HK$1,295/mo
Today · 4.125%
HK$50,186
baseline
▲ 0.50% · 4.625%
HK$52,832
+HK$2,646/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,372/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$391,031 · Scale 2, in force from 26 Feb 2026)