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$24,494
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,256
−HK$774/mo
Today · 4.125%
HK$26,030
baseline
▲ 0.50% · 4.625%
HK$27,614
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,060/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,250
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,980
−HK$742/mo
Today · 4.125%
HK$28,722
baseline
▲ 0.50% · 4.625%
HK$30,236
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,444/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,393
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,307
−HK$929/mo
Today · 4.125%
HK$31,236
baseline
▲ 0.50% · 4.625%
HK$33,137
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,472/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,699
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,576
−HK$890/mo
Today · 4.125%
HK$34,466
baseline
▲ 0.50% · 4.625%
HK$36,283
+HK$1,817/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,932/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,292
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,359
−HK$1,083/mo
Today · 4.125%
HK$36,442
baseline
▲ 0.50% · 4.625%
HK$38,660
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,884/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,149
−HK$2,061/mo
▼ 0.25% · 3.875%
HK$39,172
−HK$1,038/mo
Today · 4.125%
HK$40,210
baseline
▲ 0.50% · 4.625%
HK$42,330
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,420/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,090
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,461
−HK$1,393/mo
Today · 4.125%
HK$46,854
baseline
▲ 0.50% · 4.625%
HK$49,705
+HK$2,851/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,708/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,049
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,365
−HK$1,334/mo
Today · 4.125%
HK$51,699
baseline
▲ 0.50% · 4.625%
HK$54,424
+HK$2,725/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,398/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,820 · Scale 2, in force from 26 Feb 2026)