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$23,744
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,483
−HK$750/mo
Today · 4.125%
HK$25,233
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,536/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,466/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,415
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,124
−HK$718/mo
Today · 4.125%
HK$27,842
baseline
▲ 0.50% · 4.625%
HK$29,310
+HK$1,468/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,684/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,493
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,379
−HK$901/mo
Today · 4.125%
HK$30,280
baseline
▲ 0.50% · 4.625%
HK$32,122
+HK$1,842/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,560/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,698
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,548
−HK$863/mo
Today · 4.125%
HK$33,411
baseline
▲ 0.50% · 4.625%
HK$35,172
+HK$1,761/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,822/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,242
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$34,276
−HK$1,050/mo
Today · 4.125%
HK$35,326
baseline
▲ 0.50% · 4.625%
HK$37,476
+HK$2,150/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$70,652/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,981
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$37,973
−HK$1,006/mo
Today · 4.125%
HK$38,979
baseline
▲ 0.50% · 4.625%
HK$41,034
+HK$2,055/mo
Deposit HK$3.12M · loan HK$7.29M · min. income ≈ HK$77,958/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,740
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,069
−HK$1,351/mo
Today · 4.125%
HK$45,420
baseline
▲ 0.50% · 4.625%
HK$48,183
+HK$2,763/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$90,840/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,547
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,822
−HK$1,294/mo
Today · 4.125%
HK$50,116
baseline
▲ 0.50% · 4.625%
HK$52,758
+HK$2,642/mo
Deposit HK$1.04M · loan HK$9.37M · min. income ≈ HK$100,232/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,486 · Scale 2, in force from 26 Feb 2026)