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$23,835
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,576
−HK$754/mo
Today · 4.125%
HK$25,330
baseline
▲ 0.50% · 4.625%
HK$26,871
+HK$1,541/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,660/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,516
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,227
−HK$722/mo
Today · 4.125%
HK$27,949
baseline
▲ 0.50% · 4.625%
HK$29,422
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,898/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$391,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,602
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,492
−HK$904/mo
Today · 4.125%
HK$30,396
baseline
▲ 0.50% · 4.625%
HK$32,245
+HK$1,849/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,792/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,819
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,673
−HK$866/mo
Today · 4.125%
HK$33,539
baseline
▲ 0.50% · 4.625%
HK$35,306
+HK$1,767/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,078/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,369
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,407
−HK$1,055/mo
Today · 4.125%
HK$35,462
baseline
▲ 0.50% · 4.625%
HK$37,619
+HK$2,157/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,924/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,123
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$38,118
−HK$1,010/mo
Today · 4.125%
HK$39,128
baseline
▲ 0.50% · 4.625%
HK$41,191
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,256/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$391,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,903
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,238
−HK$1,355/mo
Today · 4.125%
HK$45,593
baseline
▲ 0.50% · 4.625%
HK$48,368
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,186/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,729
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,009
−HK$1,299/mo
Today · 4.125%
HK$50,308
baseline
▲ 0.50% · 4.625%
HK$52,960
+HK$2,652/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,616/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,979 · Scale 2, in force from 26 Feb 2026)