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$24,517
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,280
−HK$774/mo
Today · 4.125%
HK$26,054
baseline
▲ 0.50% · 4.625%
HK$27,640
+HK$1,586/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,108/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,275
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$743/mo
Today · 4.125%
HK$28,749
baseline
▲ 0.50% · 4.625%
HK$30,264
+HK$1,515/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,498/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$403,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,420
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,336
−HK$929/mo
Today · 4.125%
HK$31,265
baseline
▲ 0.50% · 4.625%
HK$33,168
+HK$1,903/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,530/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,730
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,608
−HK$890/mo
Today · 4.125%
HK$34,498
baseline
▲ 0.50% · 4.625%
HK$36,317
+HK$1,819/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,996/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$403,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,324
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,392
−HK$1,084/mo
Today · 4.125%
HK$36,476
baseline
▲ 0.50% · 4.625%
HK$38,696
+HK$2,220/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,952/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,185
−HK$2,063/mo
▼ 0.25% · 3.875%
HK$39,209
−HK$1,039/mo
Today · 4.125%
HK$40,248
baseline
▲ 0.50% · 4.625%
HK$42,369
+HK$2,121/mo
Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$80,496/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,131
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,503
−HK$1,395/mo
Today · 4.125%
HK$46,898
baseline
▲ 0.50% · 4.625%
HK$49,752
+HK$2,854/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$93,796/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,095
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,412
−HK$1,335/mo
Today · 4.125%
HK$51,747
baseline
▲ 0.50% · 4.625%
HK$54,475
+HK$2,728/mo
Deposit HK$1.08M · loan HK$9.68M · min. income ≈ HK$103,494/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,196 · Scale 2, in force from 26 Feb 2026)