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$23,727
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,465
−HK$750/mo
Today · 4.125%
HK$25,215
baseline
▲ 0.50% · 4.625%
HK$26,749
+HK$1,534/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$50,430/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,396
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,104
−HK$718/mo
Today · 4.125%
HK$27,822
baseline
▲ 0.50% · 4.625%
HK$29,289
+HK$1,467/mo
Deposit HK$5.20M · loan HK$5.20M · min. income ≈ HK$55,644/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$390,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,472
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,358
−HK$900/mo
Today · 4.125%
HK$30,258
baseline
▲ 0.50% · 4.625%
HK$32,099
+HK$1,841/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$60,516/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,675
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,525
−HK$862/mo
Today · 4.125%
HK$33,387
baseline
▲ 0.50% · 4.625%
HK$35,146
+HK$1,759/mo
Deposit HK$4.16M · loan HK$6.24M · min. income ≈ HK$66,774/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$390,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,218
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,251
−HK$1,050/mo
Today · 4.125%
HK$35,301
baseline
▲ 0.50% · 4.625%
HK$37,449
+HK$2,148/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$70,602/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,955
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$37,946
−HK$1,005/mo
Today · 4.125%
HK$38,951
baseline
▲ 0.50% · 4.625%
HK$41,004
+HK$2,053/mo
Deposit HK$3.12M · loan HK$7.28M · min. income ≈ HK$77,902/mo (50% DSR)
Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$390,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,709
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,037
−HK$1,350/mo
Today · 4.125%
HK$45,387
baseline
▲ 0.50% · 4.625%
HK$48,149
+HK$2,762/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$90,774/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,513
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,787
−HK$1,293/mo
Today · 4.125%
HK$50,080
baseline
▲ 0.50% · 4.625%
HK$52,720
+HK$2,640/mo
Deposit HK$1.04M · loan HK$9.36M · min. income ≈ HK$100,160/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,204 · Scale 2, in force from 26 Feb 2026)