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$23,801
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,542
−HK$752/mo
Today · 4.125%
HK$25,294
baseline
▲ 0.50% · 4.625%
HK$26,833
+HK$1,539/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$50,588/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,479
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,189
−HK$720/mo
Today · 4.125%
HK$27,909
baseline
▲ 0.50% · 4.625%
HK$29,381
+HK$1,472/mo
Deposit HK$5.22M · loan HK$5.22M · min. income ≈ HK$55,818/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$391,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,562
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,450
−HK$903/mo
Today · 4.125%
HK$30,353
baseline
▲ 0.50% · 4.625%
HK$32,200
+HK$1,847/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$60,706/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,775
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,627
−HK$864/mo
Today · 4.125%
HK$33,491
baseline
▲ 0.50% · 4.625%
HK$35,257
+HK$1,766/mo
Deposit HK$4.18M · loan HK$6.26M · min. income ≈ HK$66,982/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$391,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,322
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$34,359
−HK$1,053/mo
Today · 4.125%
HK$35,412
baseline
▲ 0.50% · 4.625%
HK$37,566
+HK$2,154/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$70,824/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,070
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$38,065
−HK$1,008/mo
Today · 4.125%
HK$39,073
baseline
▲ 0.50% · 4.625%
HK$41,133
+HK$2,060/mo
Deposit HK$3.13M · loan HK$7.31M · min. income ≈ HK$78,146/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$391,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,843
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,175
−HK$1,354/mo
Today · 4.125%
HK$45,529
baseline
▲ 0.50% · 4.625%
HK$48,300
+HK$2,771/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$91,058/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,662
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,940
−HK$1,297/mo
Today · 4.125%
HK$50,237
baseline
▲ 0.50% · 4.625%
HK$52,885
+HK$2,648/mo
Deposit HK$1.04M · loan HK$9.39M · min. income ≈ HK$100,474/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$391,428 · Scale 2, in force from 26 Feb 2026)