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$23,856
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,598
−HK$754/mo
Today · 4.125%
HK$25,352
baseline
▲ 0.50% · 4.625%
HK$26,895
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,704/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,540
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,252
−HK$722/mo
Today · 4.125%
HK$27,974
baseline
▲ 0.50% · 4.625%
HK$29,448
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,948/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,627
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,518
−HK$905/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,274
+HK$1,851/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,848
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,702
−HK$866/mo
Today · 4.125%
HK$33,568
baseline
▲ 0.50% · 4.625%
HK$35,338
+HK$1,770/mo
Deposit HK$4.18M · loan HK$6.28M · min. income ≈ HK$67,136/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,399
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$1,055/mo
Today · 4.125%
HK$35,493
baseline
▲ 0.50% · 4.625%
HK$37,653
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$70,986/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,156
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$38,152
−HK$1,011/mo
Today · 4.125%
HK$39,163
baseline
▲ 0.50% · 4.625%
HK$41,227
+HK$2,064/mo
Deposit HK$3.14M · loan HK$7.32M · min. income ≈ HK$78,326/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,941
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,277
−HK$1,357/mo
Today · 4.125%
HK$45,634
baseline
▲ 0.50% · 4.625%
HK$48,411
+HK$2,777/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,268/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,772
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,053
−HK$1,300/mo
Today · 4.125%
HK$50,353
baseline
▲ 0.50% · 4.625%
HK$53,007
+HK$2,654/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,706/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,328 · Scale 2, in force from 26 Feb 2026)