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$23,953
−HK$1,502/mo
▼ 0.25% · 3.875%
HK$24,698
−HK$757/mo
Today · 4.125%
HK$25,455
baseline
▲ 0.50% · 4.625%
HK$27,003
+HK$1,548/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$50,910/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,647
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$27,362
−HK$725/mo
Today · 4.125%
HK$28,087
baseline
▲ 0.50% · 4.625%
HK$29,567
+HK$1,480/mo
Deposit HK$5.25M · loan HK$5.25M · min. income ≈ HK$56,174/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$393,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,743
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$29,637
−HK$909/mo
Today · 4.125%
HK$30,546
baseline
▲ 0.50% · 4.625%
HK$32,404
+HK$1,858/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$61,092/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,976
−HK$1,728/mo
▼ 0.25% · 3.875%
HK$32,834
−HK$870/mo
Today · 4.125%
HK$33,704
baseline
▲ 0.50% · 4.625%
HK$35,481
+HK$1,777/mo
Deposit HK$4.20M · loan HK$6.30M · min. income ≈ HK$67,408/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$393,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,534
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$34,577
−HK$1,059/mo
Today · 4.125%
HK$35,636
baseline
▲ 0.50% · 4.625%
HK$37,805
+HK$2,169/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$71,272/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,306
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$38,306
−HK$1,015/mo
Today · 4.125%
HK$39,321
baseline
▲ 0.50% · 4.625%
HK$41,394
+HK$2,073/mo
Deposit HK$3.15M · loan HK$7.35M · min. income ≈ HK$78,642/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$393,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,115
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$44,456
−HK$1,362/mo
Today · 4.125%
HK$45,818
baseline
▲ 0.50% · 4.625%
HK$48,606
+HK$2,788/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$91,636/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,965
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$49,251
−HK$1,305/mo
Today · 4.125%
HK$50,556
baseline
▲ 0.50% · 4.625%
HK$53,221
+HK$2,665/mo
Deposit HK$1.05M · loan HK$9.45M · min. income ≈ HK$101,112/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,913 · Scale 2, in force from 26 Feb 2026)