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$23,841
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$754/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,878
+HK$1,542/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,523
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,234
−HK$722/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,473/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,609
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,499
−HK$904/mo
Today · 4.125%
HK$30,403
baseline
▲ 0.50% · 4.625%
HK$32,253
+HK$1,850/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$60,806/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,827
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,681
−HK$866/mo
Today · 4.125%
HK$33,547
baseline
▲ 0.50% · 4.625%
HK$35,315
+HK$1,768/mo
Deposit HK$4.18M · loan HK$6.27M · min. income ≈ HK$67,094/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$392,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,377
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$34,415
−HK$1,055/mo
Today · 4.125%
HK$35,470
baseline
▲ 0.50% · 4.625%
HK$37,629
+HK$2,159/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,940/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,132
−HK$2,006/mo
▼ 0.25% · 3.875%
HK$38,128
−HK$1,010/mo
Today · 4.125%
HK$39,138
baseline
▲ 0.50% · 4.625%
HK$41,201
+HK$2,063/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,276/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,914
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,248
−HK$1,357/mo
Today · 4.125%
HK$45,605
baseline
▲ 0.50% · 4.625%
HK$48,380
+HK$2,775/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$91,210/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,741
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,021
−HK$1,299/mo
Today · 4.125%
HK$50,320
baseline
▲ 0.50% · 4.625%
HK$52,973
+HK$2,653/mo
Deposit HK$1.05M · loan HK$9.41M · min. income ≈ HK$100,640/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,077 · Scale 2, in force from 26 Feb 2026)