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$24,656
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,423
−HK$779/mo
Today · 4.125%
HK$26,202
baseline
▲ 0.50% · 4.625%
HK$27,797
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,404/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,430
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,165
−HK$747/mo
Today · 4.125%
HK$28,912
baseline
▲ 0.50% · 4.625%
HK$30,436
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,824/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,587
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,508
−HK$935/mo
Today · 4.125%
HK$31,443
baseline
▲ 0.50% · 4.625%
HK$33,356
+HK$1,913/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,886/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,916
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,799
−HK$895/mo
Today · 4.125%
HK$34,694
baseline
▲ 0.50% · 4.625%
HK$36,523
+HK$1,829/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,388/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,519
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,592
−HK$1,091/mo
Today · 4.125%
HK$36,683
baseline
▲ 0.50% · 4.625%
HK$38,915
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,366/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,402
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,432
−HK$1,044/mo
Today · 4.125%
HK$40,476
baseline
▲ 0.50% · 4.625%
HK$42,610
+HK$2,134/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,952/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,381
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,762
−HK$1,402/mo
Today · 4.125%
HK$47,164
baseline
▲ 0.50% · 4.625%
HK$50,034
+HK$2,870/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,328/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,374
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,698
−HK$1,343/mo
Today · 4.125%
HK$52,041
baseline
▲ 0.50% · 4.625%
HK$54,784
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,082/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,485 · Scale 2, in force from 26 Feb 2026)