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$24,083
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$761/mo
Today · 4.125%
HK$25,593
baseline
▲ 0.50% · 4.625%
HK$27,150
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,186/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,792
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,510
−HK$729/mo
Today · 4.125%
HK$28,239
baseline
▲ 0.50% · 4.625%
HK$29,728
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,478/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,899
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,798
−HK$913/mo
Today · 4.125%
HK$30,711
baseline
▲ 0.50% · 4.625%
HK$32,580
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,422/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,150
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,012
−HK$875/mo
Today · 4.125%
HK$33,887
baseline
▲ 0.50% · 4.625%
HK$35,673
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,774/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,716
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$1,066/mo
Today · 4.125%
HK$35,830
baseline
▲ 0.50% · 4.625%
HK$38,010
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,660/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,508
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,514
−HK$1,021/mo
Today · 4.125%
HK$39,535
baseline
▲ 0.50% · 4.625%
HK$41,619
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,070/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,349
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,697
−HK$1,370/mo
Today · 4.125%
HK$46,067
baseline
▲ 0.50% · 4.625%
HK$48,870
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,134/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,225
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,518
−HK$1,312/mo
Today · 4.125%
HK$50,830
baseline
▲ 0.50% · 4.625%
HK$53,510
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,660/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,050 · Scale 2, in force from 26 Feb 2026)