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$23,901
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,645
−HK$755/mo
Today · 4.125%
HK$25,400
baseline
▲ 0.50% · 4.625%
HK$26,946
+HK$1,546/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$50,800/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,590
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,303
−HK$723/mo
Today · 4.125%
HK$28,026
baseline
▲ 0.50% · 4.625%
HK$29,504
+HK$1,478/mo
Deposit HK$5.24M · loan HK$5.24M · min. income ≈ HK$56,052/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$393,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,574
−HK$906/mo
Today · 4.125%
HK$30,480
baseline
▲ 0.50% · 4.625%
HK$32,335
+HK$1,855/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$60,960/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,908
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$868/mo
Today · 4.125%
HK$33,632
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$1,772/mo
Deposit HK$4.19M · loan HK$6.29M · min. income ≈ HK$67,264/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$393,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,462
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$34,502
−HK$1,058/mo
Today · 4.125%
HK$35,560
baseline
▲ 0.50% · 4.625%
HK$37,724
+HK$2,164/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$71,120/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,226
−HK$2,011/mo
▼ 0.25% · 3.875%
HK$38,224
−HK$1,013/mo
Today · 4.125%
HK$39,237
baseline
▲ 0.50% · 4.625%
HK$41,305
+HK$2,068/mo
Deposit HK$3.14M · loan HK$7.34M · min. income ≈ HK$78,474/mo (50% DSR)
Upfront cash ≈ HK$3.54M (deposit + AVD stamp duty HK$393,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,022
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,360
−HK$1,360/mo
Today · 4.125%
HK$45,720
baseline
▲ 0.50% · 4.625%
HK$48,502
+HK$2,782/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$91,440/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,862
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,145
−HK$1,302/mo
Today · 4.125%
HK$50,447
baseline
▲ 0.50% · 4.625%
HK$53,107
+HK$2,660/mo
Deposit HK$1.05M · loan HK$9.43M · min. income ≈ HK$100,894/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$393,068 · Scale 2, in force from 26 Feb 2026)