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$23,929
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,673
−HK$756/mo
Today · 4.125%
HK$25,429
baseline
▲ 0.50% · 4.625%
HK$26,977
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,858/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,621
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$27,334
−HK$725/mo
Today · 4.125%
HK$28,059
baseline
▲ 0.50% · 4.625%
HK$29,538
+HK$1,479/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,118/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$393,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,715
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,608
−HK$907/mo
Today · 4.125%
HK$30,515
baseline
▲ 0.50% · 4.625%
HK$32,372
+HK$1,857/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,030/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,945
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,801
−HK$869/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,445
+HK$1,775/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,500
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$34,542
−HK$1,059/mo
Today · 4.125%
HK$35,601
baseline
▲ 0.50% · 4.625%
HK$37,767
+HK$2,166/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,202/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,269
−HK$2,013/mo
▼ 0.25% · 3.875%
HK$38,268
−HK$1,014/mo
Today · 4.125%
HK$39,282
baseline
▲ 0.50% · 4.625%
HK$41,353
+HK$2,071/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,564/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,072
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,412
−HK$1,361/mo
Today · 4.125%
HK$45,773
baseline
▲ 0.50% · 4.625%
HK$48,558
+HK$2,785/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$91,546/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,917
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,202
−HK$1,304/mo
Today · 4.125%
HK$50,506
baseline
▲ 0.50% · 4.625%
HK$53,168
+HK$2,662/mo
Deposit HK$1.05M · loan HK$9.44M · min. income ≈ HK$101,012/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,521 · Scale 2, in force from 26 Feb 2026)