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$24,535
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,298
−HK$775/mo
Today · 4.125%
HK$26,073
baseline
▲ 0.50% · 4.625%
HK$27,660
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,146/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,295
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,027
−HK$743/mo
Today · 4.125%
HK$28,770
baseline
▲ 0.50% · 4.625%
HK$30,286
+HK$1,516/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,540/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,442
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,358
−HK$930/mo
Today · 4.125%
HK$31,288
baseline
▲ 0.50% · 4.625%
HK$33,192
+HK$1,904/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$62,576/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,754
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,632
−HK$891/mo
Today · 4.125%
HK$34,523
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$1,820/mo
Deposit HK$4.30M · loan HK$6.46M · min. income ≈ HK$69,046/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,349
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,417
−HK$1,086/mo
Today · 4.125%
HK$36,503
baseline
▲ 0.50% · 4.625%
HK$38,724
+HK$2,221/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$73,006/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,213
−HK$2,064/mo
▼ 0.25% · 3.875%
HK$39,238
−HK$1,039/mo
Today · 4.125%
HK$40,277
baseline
▲ 0.50% · 4.625%
HK$42,400
+HK$2,123/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,554/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,163
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,537
−HK$1,395/mo
Today · 4.125%
HK$46,932
baseline
▲ 0.50% · 4.625%
HK$49,788
+HK$2,856/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,864/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,131
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,448
−HK$1,337/mo
Today · 4.125%
HK$51,785
baseline
▲ 0.50% · 4.625%
HK$54,515
+HK$2,730/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,570/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,490 · Scale 2, in force from 26 Feb 2026)