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$23,769
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,508
−HK$751/mo
Today · 4.125%
HK$25,259
baseline
▲ 0.50% · 4.625%
HK$26,796
+HK$1,537/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$50,518/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,442
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$720/mo
Today · 4.125%
HK$27,871
baseline
▲ 0.50% · 4.625%
HK$29,340
+HK$1,469/mo
Deposit HK$5.21M · loan HK$5.21M · min. income ≈ HK$55,742/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$390,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,522
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,409
−HK$902/mo
Today · 4.125%
HK$30,311
baseline
▲ 0.50% · 4.625%
HK$32,155
+HK$1,844/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$60,622/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,731
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,582
−HK$863/mo
Today · 4.125%
HK$33,445
baseline
▲ 0.50% · 4.625%
HK$35,208
+HK$1,763/mo
Deposit HK$4.17M · loan HK$6.25M · min. income ≈ HK$66,890/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$390,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,276
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$1,052/mo
Today · 4.125%
HK$35,363
baseline
▲ 0.50% · 4.625%
HK$37,514
+HK$2,151/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$70,726/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,019
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$38,012
−HK$1,007/mo
Today · 4.125%
HK$39,019
baseline
▲ 0.50% · 4.625%
HK$41,076
+HK$2,057/mo
Deposit HK$3.13M · loan HK$7.30M · min. income ≈ HK$78,038/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$390,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,783
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,114
−HK$1,352/mo
Today · 4.125%
HK$45,466
baseline
▲ 0.50% · 4.625%
HK$48,233
+HK$2,767/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$90,932/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,596
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,873
−HK$1,294/mo
Today · 4.125%
HK$50,167
baseline
▲ 0.50% · 4.625%
HK$52,812
+HK$2,645/mo
Deposit HK$1.04M · loan HK$9.38M · min. income ≈ HK$100,334/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$390,886 · Scale 2, in force from 26 Feb 2026)