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$24,042
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,790
−HK$759/mo
Today · 4.125%
HK$25,549
baseline
▲ 0.50% · 4.625%
HK$27,104
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,098/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,746
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,463
−HK$728/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,677
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,850
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,747
−HK$912/mo
Today · 4.125%
HK$30,659
baseline
▲ 0.50% · 4.625%
HK$32,525
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,318/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,095
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,956
−HK$873/mo
Today · 4.125%
HK$33,829
baseline
▲ 0.50% · 4.625%
HK$35,613
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,658/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,658
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,705
−HK$1,064/mo
Today · 4.125%
HK$35,769
baseline
▲ 0.50% · 4.625%
HK$37,946
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,538/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,445
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,449
−HK$1,019/mo
Today · 4.125%
HK$39,468
baseline
▲ 0.50% · 4.625%
HK$41,548
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,936/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,275
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,621
−HK$1,368/mo
Today · 4.125%
HK$45,989
baseline
▲ 0.50% · 4.625%
HK$48,787
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,978/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,143
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,434
−HK$1,310/mo
Today · 4.125%
HK$50,744
baseline
▲ 0.50% · 4.625%
HK$53,419
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,488/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,379 · Scale 2, in force from 26 Feb 2026)