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$24,883
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,657
−HK$786/mo
Today · 4.125%
HK$26,443
baseline
▲ 0.50% · 4.625%
HK$28,052
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,886/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,682
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,424
−HK$753/mo
Today · 4.125%
HK$29,177
baseline
▲ 0.50% · 4.625%
HK$30,715
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,354/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,859
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$944/mo
Today · 4.125%
HK$31,732
baseline
▲ 0.50% · 4.625%
HK$33,663
+HK$1,931/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,464/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,218
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,109
−HK$904/mo
Today · 4.125%
HK$35,013
baseline
▲ 0.50% · 4.625%
HK$36,859
+HK$1,846/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,026/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,836
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,920
−HK$1,100/mo
Today · 4.125%
HK$37,020
baseline
▲ 0.50% · 4.625%
HK$39,273
+HK$2,253/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,040/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,755
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,794
−HK$1,054/mo
Today · 4.125%
HK$40,848
baseline
▲ 0.50% · 4.625%
HK$43,002
+HK$2,154/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,696/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,789
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,182
−HK$1,416/mo
Today · 4.125%
HK$47,598
baseline
▲ 0.50% · 4.625%
HK$50,494
+HK$2,896/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,196/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,827
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,164
−HK$1,355/mo
Today · 4.125%
HK$52,519
baseline
▲ 0.50% · 4.625%
HK$55,288
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,038/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,212 · Scale 2, in force from 26 Feb 2026)