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$24,492
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,253
−HK$774/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,247
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$742/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,232
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,390
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,304
−HK$929/mo
Today · 4.125%
HK$31,233
baseline
▲ 0.50% · 4.625%
HK$33,133
+HK$1,900/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,466/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,696
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,573
−HK$889/mo
Today · 4.125%
HK$34,462
baseline
▲ 0.50% · 4.625%
HK$36,279
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,924/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,288
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,355
−HK$1,083/mo
Today · 4.125%
HK$36,438
baseline
▲ 0.50% · 4.625%
HK$38,656
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,876/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,145
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,168
−HK$1,038/mo
Today · 4.125%
HK$40,206
baseline
▲ 0.50% · 4.625%
HK$42,325
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,412/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,085
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,456
−HK$1,393/mo
Today · 4.125%
HK$46,849
baseline
▲ 0.50% · 4.625%
HK$49,700
+HK$2,851/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,698/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,044
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,359
−HK$1,335/mo
Today · 4.125%
HK$51,694
baseline
▲ 0.50% · 4.625%
HK$54,418
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,388/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,777 · Scale 2, in force from 26 Feb 2026)