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$24,966
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$789/mo
Today · 4.125%
HK$26,532
baseline
▲ 0.50% · 4.625%
HK$28,146
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,064/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,775
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$28,520
−HK$755/mo
Today · 4.125%
HK$29,275
baseline
▲ 0.50% · 4.625%
HK$30,818
+HK$1,543/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,550/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$410,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,960
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,891
−HK$947/mo
Today · 4.125%
HK$31,838
baseline
▲ 0.50% · 4.625%
HK$33,776
+HK$1,938/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,676/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,330
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,224
−HK$906/mo
Today · 4.125%
HK$35,130
baseline
▲ 0.50% · 4.625%
HK$36,982
+HK$1,852/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,260/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,953
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,040
−HK$1,105/mo
Today · 4.125%
HK$37,145
baseline
▲ 0.50% · 4.625%
HK$39,405
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,290/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,885
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,927
−HK$1,058/mo
Today · 4.125%
HK$40,985
baseline
▲ 0.50% · 4.625%
HK$43,146
+HK$2,161/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,970/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$410,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,939
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,337
−HK$1,420/mo
Today · 4.125%
HK$47,757
baseline
▲ 0.50% · 4.625%
HK$50,663
+HK$2,906/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,514/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,994
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,335
−HK$1,361/mo
Today · 4.125%
HK$52,696
baseline
▲ 0.50% · 4.625%
HK$55,473
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,392/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,583 · Scale 2, in force from 26 Feb 2026)