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$24,011
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,758
−HK$759/mo
Today · 4.125%
HK$25,517
baseline
▲ 0.50% · 4.625%
HK$27,069
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,034/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,712
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,428
−HK$727/mo
Today · 4.125%
HK$28,155
baseline
▲ 0.50% · 4.625%
HK$29,639
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,310/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,813
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,710
−HK$910/mo
Today · 4.125%
HK$30,620
baseline
▲ 0.50% · 4.625%
HK$32,483
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,240/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,054
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,914
−HK$872/mo
Today · 4.125%
HK$33,786
baseline
▲ 0.50% · 4.625%
HK$35,567
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,572/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,615
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,661
−HK$1,062/mo
Today · 4.125%
HK$35,723
baseline
▲ 0.50% · 4.625%
HK$37,897
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,446/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,397
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,400
−HK$1,017/mo
Today · 4.125%
HK$39,417
baseline
▲ 0.50% · 4.625%
HK$41,495
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,834/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,220
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,564
−HK$1,366/mo
Today · 4.125%
HK$45,930
baseline
▲ 0.50% · 4.625%
HK$48,725
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,860/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,082
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,371
−HK$1,308/mo
Today · 4.125%
HK$50,679
baseline
▲ 0.50% · 4.625%
HK$53,351
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,358/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,875 · Scale 2, in force from 26 Feb 2026)