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$23,678
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,414
−HK$748/mo
Today · 4.125%
HK$25,162
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,531/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$50,324/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,341
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,047
−HK$717/mo
Today · 4.125%
HK$27,764
baseline
▲ 0.50% · 4.625%
HK$29,228
+HK$1,464/mo
Deposit HK$5.19M · loan HK$5.19M · min. income ≈ HK$55,528/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$389,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,413
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,297
−HK$898/mo
Today · 4.125%
HK$30,195
baseline
▲ 0.50% · 4.625%
HK$32,032
+HK$1,837/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$60,390/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,609
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,457
−HK$860/mo
Today · 4.125%
HK$33,317
baseline
▲ 0.50% · 4.625%
HK$35,073
+HK$1,756/mo
Deposit HK$4.15M · loan HK$6.23M · min. income ≈ HK$66,634/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$389,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,149
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$34,180
−HK$1,047/mo
Today · 4.125%
HK$35,227
baseline
▲ 0.50% · 4.625%
HK$37,371
+HK$2,144/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,454/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,877
−HK$1,993/mo
▼ 0.25% · 3.875%
HK$37,866
−HK$1,004/mo
Today · 4.125%
HK$38,870
baseline
▲ 0.50% · 4.625%
HK$40,919
+HK$2,049/mo
Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$77,740/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$389,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,620
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,945
−HK$1,347/mo
Today · 4.125%
HK$45,292
baseline
▲ 0.50% · 4.625%
HK$48,048
+HK$2,756/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$90,584/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,414
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,685
−HK$1,290/mo
Today · 4.125%
HK$49,975
baseline
▲ 0.50% · 4.625%
HK$52,610
+HK$2,635/mo
Deposit HK$1.04M · loan HK$9.35M · min. income ≈ HK$99,950/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$389,389 · Scale 2, in force from 26 Feb 2026)