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$23,862
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,604
−HK$754/mo
Today · 4.125%
HK$25,358
baseline
▲ 0.50% · 4.625%
HK$26,901
+HK$1,543/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$50,716/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,546
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,258
−HK$723/mo
Today · 4.125%
HK$27,981
baseline
▲ 0.50% · 4.625%
HK$29,455
+HK$1,474/mo
Deposit HK$5.23M · loan HK$5.23M · min. income ≈ HK$55,962/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$392,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,635
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,525
−HK$905/mo
Today · 4.125%
HK$30,430
baseline
▲ 0.50% · 4.625%
HK$32,282
+HK$1,852/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$60,860/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,856
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,710
−HK$867/mo
Today · 4.125%
HK$33,577
baseline
▲ 0.50% · 4.625%
HK$35,347
+HK$1,770/mo
Deposit HK$4.19M · loan HK$6.28M · min. income ≈ HK$67,154/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$392,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,407
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$1,056/mo
Today · 4.125%
HK$35,502
baseline
▲ 0.50% · 4.625%
HK$37,662
+HK$2,160/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$71,004/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,165
−HK$2,008/mo
▼ 0.25% · 3.875%
HK$38,162
−HK$1,011/mo
Today · 4.125%
HK$39,173
baseline
▲ 0.50% · 4.625%
HK$41,238
+HK$2,065/mo
Deposit HK$3.14M · loan HK$7.33M · min. income ≈ HK$78,346/mo (50% DSR)
Upfront cash ≈ HK$3.53M (deposit + AVD stamp duty HK$392,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,952
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,288
−HK$1,357/mo
Today · 4.125%
HK$45,645
baseline
▲ 0.50% · 4.625%
HK$48,423
+HK$2,778/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$91,290/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,783
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,065
−HK$1,300/mo
Today · 4.125%
HK$50,365
baseline
▲ 0.50% · 4.625%
HK$53,020
+HK$2,655/mo
Deposit HK$1.05M · loan HK$9.42M · min. income ≈ HK$100,730/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$392,425 · Scale 2, in force from 26 Feb 2026)