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$23,590
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,324
−HK$745/mo
Today · 4.125%
HK$25,069
baseline
▲ 0.50% · 4.625%
HK$26,595
+HK$1,526/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$50,138/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,244
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$714/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,120
+HK$1,459/mo
Deposit HK$5.17M · loan HK$5.17M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$387,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,189
−HK$894/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,914
+HK$1,831/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,492
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$857/mo
Today · 4.125%
HK$33,194
baseline
▲ 0.50% · 4.625%
HK$34,943
+HK$1,749/mo
Deposit HK$4.14M · loan HK$6.21M · min. income ≈ HK$66,388/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$387,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,026
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$34,053
−HK$1,044/mo
Today · 4.125%
HK$35,097
baseline
▲ 0.50% · 4.625%
HK$37,233
+HK$2,136/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$70,194/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,741
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$37,726
−HK$1,000/mo
Today · 4.125%
HK$38,726
baseline
▲ 0.50% · 4.625%
HK$40,767
+HK$2,041/mo
Deposit HK$3.10M · loan HK$7.24M · min. income ≈ HK$77,452/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$387,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,462
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$43,783
−HK$1,342/mo
Today · 4.125%
HK$45,125
baseline
▲ 0.50% · 4.625%
HK$47,870
+HK$2,745/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$90,250/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,239
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$48,505
−HK$1,286/mo
Today · 4.125%
HK$49,791
baseline
▲ 0.50% · 4.625%
HK$52,415
+HK$2,624/mo
Deposit HK$1.03M · loan HK$9.31M · min. income ≈ HK$99,582/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$387,950 · Scale 2, in force from 26 Feb 2026)