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$25,158
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,941
−HK$795/mo
Today · 4.125%
HK$26,736
baseline
▲ 0.50% · 4.625%
HK$28,363
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,472/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,988
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,739
−HK$761/mo
Today · 4.125%
HK$29,500
baseline
▲ 0.50% · 4.625%
HK$31,055
+HK$1,555/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,000/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,190
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,129
−HK$954/mo
Today · 4.125%
HK$32,083
baseline
▲ 0.50% · 4.625%
HK$34,035
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,166/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,586
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,487
−HK$913/mo
Today · 4.125%
HK$35,400
baseline
▲ 0.50% · 4.625%
HK$37,266
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,800/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,221
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,317
−HK$1,113/mo
Today · 4.125%
HK$37,430
baseline
▲ 0.50% · 4.625%
HK$39,708
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,860/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,183
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,234
−HK$1,066/mo
Today · 4.125%
HK$41,300
baseline
▲ 0.50% · 4.625%
HK$43,477
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,600/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,285
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,693
−HK$1,431/mo
Today · 4.125%
HK$48,124
baseline
▲ 0.50% · 4.625%
HK$51,053
+HK$2,929/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,248/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,379
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$51,730
−HK$1,371/mo
Today · 4.125%
HK$53,101
baseline
▲ 0.50% · 4.625%
HK$55,900
+HK$2,799/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,202/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,740 · Scale 2, in force from 26 Feb 2026)