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$24,780
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,551
−HK$783/mo
Today · 4.125%
HK$26,334
baseline
▲ 0.50% · 4.625%
HK$27,937
+HK$1,603/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,668/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,568
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,307
−HK$750/mo
Today · 4.125%
HK$29,057
baseline
▲ 0.50% · 4.625%
HK$30,589
+HK$1,532/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,114/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,736
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,661
−HK$940/mo
Today · 4.125%
HK$31,601
baseline
▲ 0.50% · 4.625%
HK$33,524
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,202/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,081
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,969
−HK$900/mo
Today · 4.125%
HK$34,869
baseline
▲ 0.50% · 4.625%
HK$36,707
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,738/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,692
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,771
−HK$1,097/mo
Today · 4.125%
HK$36,868
baseline
▲ 0.50% · 4.625%
HK$39,111
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,736/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,595
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,630
−HK$1,050/mo
Today · 4.125%
HK$40,680
baseline
▲ 0.50% · 4.625%
HK$42,824
+HK$2,144/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,360/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,604
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$45,992
−HK$1,410/mo
Today · 4.125%
HK$47,402
baseline
▲ 0.50% · 4.625%
HK$50,286
+HK$2,884/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,804/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,622
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,953
−HK$1,350/mo
Today · 4.125%
HK$52,303
baseline
▲ 0.50% · 4.625%
HK$55,060
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,606/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,524 · Scale 2, in force from 26 Feb 2026)