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$25,043
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,822
−HK$791/mo
Today · 4.125%
HK$26,613
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,619/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,226/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,860
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,607
−HK$758/mo
Today · 4.125%
HK$29,365
baseline
▲ 0.50% · 4.625%
HK$30,913
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,730/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,051
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$950/mo
Today · 4.125%
HK$31,936
baseline
▲ 0.50% · 4.625%
HK$33,879
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,872/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,432
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,328
−HK$910/mo
Today · 4.125%
HK$35,238
baseline
▲ 0.50% · 4.625%
HK$37,095
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,476/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,060
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,150
−HK$1,108/mo
Today · 4.125%
HK$37,258
baseline
▲ 0.50% · 4.625%
HK$39,525
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,516/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,003
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$40,050
−HK$1,061/mo
Today · 4.125%
HK$41,111
baseline
▲ 0.50% · 4.625%
HK$43,278
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,222/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,077
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,479
−HK$1,424/mo
Today · 4.125%
HK$47,903
baseline
▲ 0.50% · 4.625%
HK$50,818
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,806/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,147
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$51,492
−HK$1,365/mo
Today · 4.125%
HK$52,857
baseline
▲ 0.50% · 4.625%
HK$55,643
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,714/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,839 · Scale 2, in force from 26 Feb 2026)