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$25,175
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,958
−HK$795/mo
Today · 4.125%
HK$26,753
baseline
▲ 0.50% · 4.625%
HK$28,381
+HK$1,628/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,506/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,007
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$28,758
−HK$762/mo
Today · 4.125%
HK$29,520
baseline
▲ 0.50% · 4.625%
HK$31,076
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,040/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$414,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,210
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,149
−HK$955/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$34,057
+HK$1,953/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,608
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,509
−HK$915/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,291
+HK$1,867/mo
Deposit HK$4.42M · loan HK$6.62M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,244
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$36,341
−HK$1,114/mo
Today · 4.125%
HK$37,455
baseline
▲ 0.50% · 4.625%
HK$39,734
+HK$2,279/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,910/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,209
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,261
−HK$1,066/mo
Today · 4.125%
HK$41,327
baseline
▲ 0.50% · 4.625%
HK$43,506
+HK$2,179/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,654/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,314
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,724
−HK$1,432/mo
Today · 4.125%
HK$48,156
baseline
▲ 0.50% · 4.625%
HK$51,086
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,312/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,412
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,764
−HK$1,371/mo
Today · 4.125%
HK$53,135
baseline
▲ 0.50% · 4.625%
HK$55,936
+HK$2,801/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,270/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,010 · Scale 2, in force from 26 Feb 2026)