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$24,676
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,443
−HK$780/mo
Today · 4.125%
HK$26,223
baseline
▲ 0.50% · 4.625%
HK$27,819
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,446/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,452
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,188
−HK$747/mo
Today · 4.125%
HK$28,935
baseline
▲ 0.50% · 4.625%
HK$30,460
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,870/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,611
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,532
−HK$936/mo
Today · 4.125%
HK$31,468
baseline
▲ 0.50% · 4.625%
HK$33,383
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,936/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,942
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,825
−HK$897/mo
Today · 4.125%
HK$34,722
baseline
▲ 0.50% · 4.625%
HK$36,552
+HK$1,830/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,444/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,546
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,621
−HK$1,091/mo
Today · 4.125%
HK$36,712
baseline
▲ 0.50% · 4.625%
HK$38,946
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,424/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,432
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,463
−HK$1,046/mo
Today · 4.125%
HK$40,509
baseline
▲ 0.50% · 4.625%
HK$42,644
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,018/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,416
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,798
−HK$1,404/mo
Today · 4.125%
HK$47,202
baseline
▲ 0.50% · 4.625%
HK$50,074
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,404/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,413
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,738
−HK$1,345/mo
Today · 4.125%
HK$52,083
baseline
▲ 0.50% · 4.625%
HK$54,828
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,166/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,807 · Scale 2, in force from 26 Feb 2026)