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$24,094
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,843
−HK$762/mo
Today · 4.125%
HK$25,605
baseline
▲ 0.50% · 4.625%
HK$27,163
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,210/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,804
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,523
−HK$730/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,742
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,913
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,812
−HK$914/mo
Today · 4.125%
HK$30,726
baseline
▲ 0.50% · 4.625%
HK$32,596
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,452/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,165
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,028
−HK$875/mo
Today · 4.125%
HK$33,903
baseline
▲ 0.50% · 4.625%
HK$35,690
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,806/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,732
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,781
−HK$1,066/mo
Today · 4.125%
HK$35,847
baseline
▲ 0.50% · 4.625%
HK$38,028
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,694/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,526
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,533
−HK$1,021/mo
Today · 4.125%
HK$39,554
baseline
▲ 0.50% · 4.625%
HK$41,638
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,108/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,369
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,718
−HK$1,371/mo
Today · 4.125%
HK$46,089
baseline
▲ 0.50% · 4.625%
HK$48,893
+HK$2,804/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,178/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,248
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,542
−HK$1,313/mo
Today · 4.125%
HK$50,855
baseline
▲ 0.50% · 4.625%
HK$53,535
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,710/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,239 · Scale 2, in force from 26 Feb 2026)