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$23,977
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,723
−HK$758/mo
Today · 4.125%
HK$25,481
baseline
▲ 0.50% · 4.625%
HK$27,031
+HK$1,550/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$50,962/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,674
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,390
−HK$725/mo
Today · 4.125%
HK$28,115
baseline
▲ 0.50% · 4.625%
HK$29,597
+HK$1,482/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,230/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$394,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$910/mo
Today · 4.125%
HK$30,577
baseline
▲ 0.50% · 4.625%
HK$32,437
+HK$1,860/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,154/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,009
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,868
−HK$870/mo
Today · 4.125%
HK$33,738
baseline
▲ 0.50% · 4.625%
HK$35,517
+HK$1,779/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,476/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,568
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$34,612
−HK$1,061/mo
Today · 4.125%
HK$35,673
baseline
▲ 0.50% · 4.625%
HK$37,843
+HK$2,170/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$71,346/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,344
−HK$2,018/mo
▼ 0.25% · 3.875%
HK$38,345
−HK$1,017/mo
Today · 4.125%
HK$39,362
baseline
▲ 0.50% · 4.625%
HK$41,436
+HK$2,074/mo
Deposit HK$3.15M · loan HK$7.36M · min. income ≈ HK$78,724/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,159
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,501
−HK$1,364/mo
Today · 4.125%
HK$45,865
baseline
▲ 0.50% · 4.625%
HK$48,656
+HK$2,791/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$91,730/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,014
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,301
−HK$1,307/mo
Today · 4.125%
HK$50,608
baseline
▲ 0.50% · 4.625%
HK$53,275
+HK$2,667/mo
Deposit HK$1.05M · loan HK$9.46M · min. income ≈ HK$101,216/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,316 · Scale 2, in force from 26 Feb 2026)