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$23,996
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,742
−HK$759/mo
Today · 4.125%
HK$25,501
baseline
▲ 0.50% · 4.625%
HK$27,053
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,002/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,695
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,411
−HK$727/mo
Today · 4.125%
HK$28,138
baseline
▲ 0.50% · 4.625%
HK$29,621
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,276/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,795
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,691
−HK$910/mo
Today · 4.125%
HK$30,601
baseline
▲ 0.50% · 4.625%
HK$32,463
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,202/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,034
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,894
−HK$871/mo
Today · 4.125%
HK$33,765
baseline
▲ 0.50% · 4.625%
HK$35,545
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,530/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,595
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,639
−HK$1,062/mo
Today · 4.125%
HK$35,701
baseline
▲ 0.50% · 4.625%
HK$37,874
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,402/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,374
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,376
−HK$1,017/mo
Today · 4.125%
HK$39,393
baseline
▲ 0.50% · 4.625%
HK$41,469
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,786/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,193
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,536
−HK$1,366/mo
Today · 4.125%
HK$45,902
baseline
▲ 0.50% · 4.625%
HK$48,695
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,804/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,052
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,340
−HK$1,308/mo
Today · 4.125%
HK$50,648
baseline
▲ 0.50% · 4.625%
HK$53,318
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,296/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,628 · Scale 2, in force from 26 Feb 2026)