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$25,003
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,780
−HK$791/mo
Today · 4.125%
HK$26,571
baseline
▲ 0.50% · 4.625%
HK$28,187
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,142/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,815
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,561
−HK$757/mo
Today · 4.125%
HK$29,318
baseline
▲ 0.50% · 4.625%
HK$30,863
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,636/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,003
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,936
−HK$949/mo
Today · 4.125%
HK$31,885
baseline
▲ 0.50% · 4.625%
HK$33,825
+HK$1,940/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,770/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,378
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,273
−HK$909/mo
Today · 4.125%
HK$35,182
baseline
▲ 0.50% · 4.625%
HK$37,036
+HK$1,854/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,364/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,004
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,092
−HK$1,107/mo
Today · 4.125%
HK$37,199
baseline
▲ 0.50% · 4.625%
HK$39,462
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,398/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,941
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,986
−HK$1,059/mo
Today · 4.125%
HK$41,045
baseline
▲ 0.50% · 4.625%
HK$43,209
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,090/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,005
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,405
−HK$1,422/mo
Today · 4.125%
HK$47,827
baseline
▲ 0.50% · 4.625%
HK$50,737
+HK$2,910/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,654/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,067
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,410
−HK$1,362/mo
Today · 4.125%
HK$52,772
baseline
▲ 0.50% · 4.625%
HK$55,554
+HK$2,782/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,544/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,182 · Scale 2, in force from 26 Feb 2026)