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$24,735
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,504
−HK$782/mo
Today · 4.125%
HK$26,286
baseline
▲ 0.50% · 4.625%
HK$27,886
+HK$1,600/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,572/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,518
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,256
−HK$748/mo
Today · 4.125%
HK$29,004
baseline
▲ 0.50% · 4.625%
HK$30,533
+HK$1,529/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$58,008/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,682
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,605
−HK$938/mo
Today · 4.125%
HK$31,543
baseline
▲ 0.50% · 4.625%
HK$33,463
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,086/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,021
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,907
−HK$898/mo
Today · 4.125%
HK$34,805
baseline
▲ 0.50% · 4.625%
HK$36,640
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,610/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,629
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,706
−HK$1,095/mo
Today · 4.125%
HK$36,801
baseline
▲ 0.50% · 4.625%
HK$39,040
+HK$2,239/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,602/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,525
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,558
−HK$1,048/mo
Today · 4.125%
HK$40,606
baseline
▲ 0.50% · 4.625%
HK$42,746
+HK$2,140/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,212/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,523
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,908
−HK$1,407/mo
Today · 4.125%
HK$47,315
baseline
▲ 0.50% · 4.625%
HK$50,194
+HK$2,879/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,630/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,532
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,860
−HK$1,348/mo
Today · 4.125%
HK$52,208
baseline
▲ 0.50% · 4.625%
HK$54,960
+HK$2,752/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,416/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,782 · Scale 2, in force from 26 Feb 2026)