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$24,078
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,827
−HK$761/mo
Today · 4.125%
HK$25,588
baseline
▲ 0.50% · 4.625%
HK$27,145
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,176/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,787
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,505
−HK$729/mo
Today · 4.125%
HK$28,234
baseline
▲ 0.50% · 4.625%
HK$29,722
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,468/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,894
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,793
−HK$913/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,574
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,144
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,006
−HK$875/mo
Today · 4.125%
HK$33,881
baseline
▲ 0.50% · 4.625%
HK$35,667
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,762/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,710
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$1,066/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$38,003
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,507
−HK$1,021/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,611
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,341
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,689
−HK$1,370/mo
Today · 4.125%
HK$46,059
baseline
▲ 0.50% · 4.625%
HK$48,861
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,118/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,216
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,510
−HK$1,311/mo
Today · 4.125%
HK$50,821
baseline
▲ 0.50% · 4.625%
HK$53,500
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,642/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,982 · Scale 2, in force from 26 Feb 2026)