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$24,771
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,541
−HK$783/mo
Today · 4.125%
HK$26,324
baseline
▲ 0.50% · 4.625%
HK$27,926
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,648/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,557
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,296
−HK$750/mo
Today · 4.125%
HK$29,046
baseline
▲ 0.50% · 4.625%
HK$30,577
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,092/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,725
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,650
−HK$939/mo
Today · 4.125%
HK$31,589
baseline
▲ 0.50% · 4.625%
HK$33,511
+HK$1,922/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,178/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,069
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,956
−HK$899/mo
Today · 4.125%
HK$34,855
baseline
▲ 0.50% · 4.625%
HK$36,693
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,710/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,679
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,758
−HK$1,096/mo
Today · 4.125%
HK$36,854
baseline
▲ 0.50% · 4.625%
HK$39,096
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,708/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,580
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,615
−HK$1,050/mo
Today · 4.125%
HK$40,665
baseline
▲ 0.50% · 4.625%
HK$42,808
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,330/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,588
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,975
−HK$1,409/mo
Today · 4.125%
HK$47,384
baseline
▲ 0.50% · 4.625%
HK$50,267
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,768/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,603
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,934
−HK$1,349/mo
Today · 4.125%
HK$52,283
baseline
▲ 0.50% · 4.625%
HK$55,039
+HK$2,756/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,566/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,371 · Scale 2, in force from 26 Feb 2026)