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$24,290
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,046
−HK$767/mo
Today · 4.125%
HK$25,813
baseline
▲ 0.50% · 4.625%
HK$27,384
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,626/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,023
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$735/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$29,984
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,148
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,055
−HK$921/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,427
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,297
−HK$882/mo
Today · 4.125%
HK$34,179
baseline
▲ 0.50% · 4.625%
HK$35,981
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,358/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,006
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,064
−HK$1,075/mo
Today · 4.125%
HK$36,139
baseline
▲ 0.50% · 4.625%
HK$38,338
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,278/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,832
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,846
−HK$1,029/mo
Today · 4.125%
HK$39,875
baseline
▲ 0.50% · 4.625%
HK$41,977
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,750/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,722
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,082
−HK$1,382/mo
Today · 4.125%
HK$46,464
baseline
▲ 0.50% · 4.625%
HK$49,291
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,928/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,641
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,945
−HK$1,323/mo
Today · 4.125%
HK$51,268
baseline
▲ 0.50% · 4.625%
HK$53,971
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,536/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,465 · Scale 2, in force from 26 Feb 2026)