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$24,304
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,060
−HK$768/mo
Today · 4.125%
HK$25,828
baseline
▲ 0.50% · 4.625%
HK$27,400
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,656/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,038
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,763
−HK$736/mo
Today · 4.125%
HK$28,499
baseline
▲ 0.50% · 4.625%
HK$30,001
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,998/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,165
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,072
−HK$922/mo
Today · 4.125%
HK$30,994
baseline
▲ 0.50% · 4.625%
HK$32,880
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$61,988/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,446
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,316
−HK$883/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,001
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,026
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,084
−HK$1,075/mo
Today · 4.125%
HK$36,159
baseline
▲ 0.50% · 4.625%
HK$38,360
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,318/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,853
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,868
−HK$1,030/mo
Today · 4.125%
HK$39,898
baseline
▲ 0.50% · 4.625%
HK$42,001
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,796/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,747
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,108
−HK$1,383/mo
Today · 4.125%
HK$46,491
baseline
▲ 0.50% · 4.625%
HK$49,319
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,982/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,668
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,974
−HK$1,324/mo
Today · 4.125%
HK$51,298
baseline
▲ 0.50% · 4.625%
HK$54,002
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,596/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,693 · Scale 2, in force from 26 Feb 2026)