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$24,283
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$768/mo
Today · 4.125%
HK$25,806
baseline
▲ 0.50% · 4.625%
HK$27,376
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,612/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,015
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,739
−HK$735/mo
Today · 4.125%
HK$28,474
baseline
▲ 0.50% · 4.625%
HK$29,975
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,948/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,140
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,046
−HK$921/mo
Today · 4.125%
HK$30,967
baseline
▲ 0.50% · 4.625%
HK$32,851
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,934/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,418
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,287
−HK$882/mo
Today · 4.125%
HK$34,169
baseline
▲ 0.50% · 4.625%
HK$35,970
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,338/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,996
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,054
−HK$1,074/mo
Today · 4.125%
HK$36,128
baseline
▲ 0.50% · 4.625%
HK$38,326
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,256/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,821
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,835
−HK$1,029/mo
Today · 4.125%
HK$39,864
baseline
▲ 0.50% · 4.625%
HK$41,965
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,728/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,710
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,069
−HK$1,382/mo
Today · 4.125%
HK$46,451
baseline
▲ 0.50% · 4.625%
HK$49,277
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,902/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,626
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,931
−HK$1,323/mo
Today · 4.125%
HK$51,254
baseline
▲ 0.50% · 4.625%
HK$53,955
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,508/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,348 · Scale 2, in force from 26 Feb 2026)