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$25,235
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$26,020
−HK$797/mo
Today · 4.125%
HK$26,817
baseline
▲ 0.50% · 4.625%
HK$28,449
+HK$1,632/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,634/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,073
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$28,826
−HK$764/mo
Today · 4.125%
HK$29,590
baseline
▲ 0.50% · 4.625%
HK$31,150
+HK$1,560/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,180/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$414,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,282
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,224
−HK$957/mo
Today · 4.125%
HK$32,181
baseline
▲ 0.50% · 4.625%
HK$34,139
+HK$1,958/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$64,362/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,688
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,592
−HK$916/mo
Today · 4.125%
HK$35,508
baseline
▲ 0.50% · 4.625%
HK$37,380
+HK$1,872/mo
Deposit HK$4.43M · loan HK$6.64M · min. income ≈ HK$71,016/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,329
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$36,428
−HK$1,116/mo
Today · 4.125%
HK$37,544
baseline
▲ 0.50% · 4.625%
HK$39,828
+HK$2,284/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$75,088/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,303
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$40,357
−HK$1,069/mo
Today · 4.125%
HK$41,426
baseline
▲ 0.50% · 4.625%
HK$43,610
+HK$2,184/mo
Deposit HK$3.32M · loan HK$7.75M · min. income ≈ HK$82,852/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,423
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,835
−HK$1,436/mo
Today · 4.125%
HK$48,271
baseline
▲ 0.50% · 4.625%
HK$51,208
+HK$2,937/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$96,542/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,532
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,887
−HK$1,375/mo
Today · 4.125%
HK$53,262
baseline
▲ 0.50% · 4.625%
HK$56,070
+HK$2,808/mo
Deposit HK$1.11M · loan HK$9.96M · min. income ≈ HK$106,524/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,999 · Scale 2, in force from 26 Feb 2026)