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$23,956
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,701
−HK$757/mo
Today · 4.125%
HK$25,458
baseline
▲ 0.50% · 4.625%
HK$27,007
+HK$1,549/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,916/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,650
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$725/mo
Today · 4.125%
HK$28,090
baseline
▲ 0.50% · 4.625%
HK$29,571
+HK$1,481/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,180/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,747
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,641
−HK$909/mo
Today · 4.125%
HK$30,550
baseline
▲ 0.50% · 4.625%
HK$32,408
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,100/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,981
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$32,838
−HK$870/mo
Today · 4.125%
HK$33,708
baseline
▲ 0.50% · 4.625%
HK$35,485
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,416/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,538
−HK$2,103/mo
▼ 0.25% · 3.875%
HK$34,581
−HK$1,060/mo
Today · 4.125%
HK$35,641
baseline
▲ 0.50% · 4.625%
HK$37,810
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,282/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,311
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,311
−HK$1,015/mo
Today · 4.125%
HK$39,326
baseline
▲ 0.50% · 4.625%
HK$41,399
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,652/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,120
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$44,462
−HK$1,362/mo
Today · 4.125%
HK$45,824
baseline
▲ 0.50% · 4.625%
HK$48,613
+HK$2,789/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,648/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,971
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,257
−HK$1,306/mo
Today · 4.125%
HK$50,563
baseline
▲ 0.50% · 4.625%
HK$53,228
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,126/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,965 · Scale 2, in force from 26 Feb 2026)