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$24,009
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,756
−HK$758/mo
Today · 4.125%
HK$25,514
baseline
▲ 0.50% · 4.625%
HK$27,067
+HK$1,553/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,028/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,710
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,426
−HK$727/mo
Today · 4.125%
HK$28,153
baseline
▲ 0.50% · 4.625%
HK$29,636
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,306/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,811
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,707
−HK$910/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,051
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,911
−HK$872/mo
Today · 4.125%
HK$33,783
baseline
▲ 0.50% · 4.625%
HK$35,564
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,566/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,612
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,658
−HK$1,062/mo
Today · 4.125%
HK$35,720
baseline
▲ 0.50% · 4.625%
HK$37,894
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,440/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,393
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,396
−HK$1,018/mo
Today · 4.125%
HK$39,414
baseline
▲ 0.50% · 4.625%
HK$41,491
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,828/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,216
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,560
−HK$1,366/mo
Today · 4.125%
HK$45,926
baseline
▲ 0.50% · 4.625%
HK$48,720
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,852/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,077
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,367
−HK$1,308/mo
Today · 4.125%
HK$50,675
baseline
▲ 0.50% · 4.625%
HK$53,346
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,350/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,837 · Scale 2, in force from 26 Feb 2026)