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$23,819
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,560
−HK$753/mo
Today · 4.125%
HK$25,313
baseline
▲ 0.50% · 4.625%
HK$26,853
+HK$1,540/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,626/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,499
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,209
−HK$721/mo
Today · 4.125%
HK$27,930
baseline
▲ 0.50% · 4.625%
HK$29,403
+HK$1,473/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,860/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,583
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,472
−HK$904/mo
Today · 4.125%
HK$30,376
baseline
▲ 0.50% · 4.625%
HK$32,224
+HK$1,848/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,752/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,798
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,651
−HK$865/mo
Today · 4.125%
HK$33,516
baseline
▲ 0.50% · 4.625%
HK$35,283
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,032/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,347
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$34,384
−HK$1,054/mo
Today · 4.125%
HK$35,438
baseline
▲ 0.50% · 4.625%
HK$37,594
+HK$2,156/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,876/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,098
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,093
−HK$1,010/mo
Today · 4.125%
HK$39,103
baseline
▲ 0.50% · 4.625%
HK$41,164
+HK$2,061/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,206/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,875
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,208
−HK$1,355/mo
Today · 4.125%
HK$45,563
baseline
▲ 0.50% · 4.625%
HK$48,336
+HK$2,773/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$91,126/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,698
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,977
−HK$1,298/mo
Today · 4.125%
HK$50,275
baseline
▲ 0.50% · 4.625%
HK$52,925
+HK$2,650/mo
Deposit HK$1.04M · loan HK$9.40M · min. income ≈ HK$100,550/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,721 · Scale 2, in force from 26 Feb 2026)