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$25,117
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,899
−HK$793/mo
Today · 4.125%
HK$26,692
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,384/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,943
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$28,692
−HK$760/mo
Today · 4.125%
HK$29,452
baseline
▲ 0.50% · 4.625%
HK$31,005
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,904/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,141
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,078
−HK$953/mo
Today · 4.125%
HK$32,031
baseline
▲ 0.50% · 4.625%
HK$33,980
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,062/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,531
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,431
−HK$912/mo
Today · 4.125%
HK$35,343
baseline
▲ 0.50% · 4.625%
HK$37,206
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,686/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,164
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,258
−HK$1,111/mo
Today · 4.125%
HK$37,369
baseline
▲ 0.50% · 4.625%
HK$39,643
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,738/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,120
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,169
−HK$1,064/mo
Today · 4.125%
HK$41,233
baseline
▲ 0.50% · 4.625%
HK$43,407
+HK$2,174/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,466/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,211
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,618
−HK$1,428/mo
Today · 4.125%
HK$48,046
baseline
▲ 0.50% · 4.625%
HK$50,970
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,092/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,297
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,646
−HK$1,368/mo
Today · 4.125%
HK$53,014
baseline
▲ 0.50% · 4.625%
HK$55,809
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,028/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,068 · Scale 2, in force from 26 Feb 2026)