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$25,165
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$25,948
−HK$795/mo
Today · 4.125%
HK$26,743
baseline
▲ 0.50% · 4.625%
HK$28,370
+HK$1,627/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,486/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,996
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$28,747
−HK$761/mo
Today · 4.125%
HK$29,508
baseline
▲ 0.50% · 4.625%
HK$31,064
+HK$1,556/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,016/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,198
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,137
−HK$955/mo
Today · 4.125%
HK$32,092
baseline
▲ 0.50% · 4.625%
HK$34,044
+HK$1,952/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,184/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,595
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,496
−HK$914/mo
Today · 4.125%
HK$35,410
baseline
▲ 0.50% · 4.625%
HK$37,276
+HK$1,866/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,820/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$413,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,231
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$36,327
−HK$1,113/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,718
+HK$2,278/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,194
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$40,245
−HK$1,067/mo
Today · 4.125%
HK$41,312
baseline
▲ 0.50% · 4.625%
HK$43,489
+HK$2,177/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,624/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,297
−HK$2,840/mo
▼ 0.25% · 3.875%
HK$46,706
−HK$1,431/mo
Today · 4.125%
HK$48,137
baseline
▲ 0.50% · 4.625%
HK$51,067
+HK$2,930/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,274/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,392
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,744
−HK$1,371/mo
Today · 4.125%
HK$53,115
baseline
▲ 0.50% · 4.625%
HK$55,915
+HK$2,800/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,230/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,852 · Scale 2, in force from 26 Feb 2026)