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$23,873
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$755/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,914
+HK$1,544/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,740/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,558
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,271
−HK$722/mo
Today · 4.125%
HK$27,993
baseline
▲ 0.50% · 4.625%
HK$29,469
+HK$1,476/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,986/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$392,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,647
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$905/mo
Today · 4.125%
HK$30,444
baseline
▲ 0.50% · 4.625%
HK$32,296
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,888/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,870
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,725
−HK$867/mo
Today · 4.125%
HK$33,592
baseline
▲ 0.50% · 4.625%
HK$35,362
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,184/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,422
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$34,462
−HK$1,056/mo
Today · 4.125%
HK$35,518
baseline
▲ 0.50% · 4.625%
HK$37,679
+HK$2,161/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,036/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,182
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,179
−HK$1,011/mo
Today · 4.125%
HK$39,190
baseline
▲ 0.50% · 4.625%
HK$41,256
+HK$2,066/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,380/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,971
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,308
−HK$1,358/mo
Today · 4.125%
HK$45,666
baseline
▲ 0.50% · 4.625%
HK$48,444
+HK$2,778/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,332/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,805
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,087
−HK$1,301/mo
Today · 4.125%
HK$50,388
baseline
▲ 0.50% · 4.625%
HK$53,044
+HK$2,656/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,776/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,602 · Scale 2, in force from 26 Feb 2026)