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$25,284
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,070
−HK$799/mo
Today · 4.125%
HK$26,869
baseline
▲ 0.50% · 4.625%
HK$28,504
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,738/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,128
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$28,882
−HK$766/mo
Today · 4.125%
HK$29,648
baseline
▲ 0.50% · 4.625%
HK$31,210
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,296/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,340
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,284
−HK$959/mo
Today · 4.125%
HK$32,243
baseline
▲ 0.50% · 4.625%
HK$34,205
+HK$1,962/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$64,486/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,753
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$918/mo
Today · 4.125%
HK$35,577
baseline
▲ 0.50% · 4.625%
HK$37,452
+HK$1,875/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$71,154/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,397
−HK$2,220/mo
▼ 0.25% · 3.875%
HK$36,498
−HK$1,119/mo
Today · 4.125%
HK$37,617
baseline
▲ 0.50% · 4.625%
HK$39,906
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,234/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,379
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,435
−HK$1,072/mo
Today · 4.125%
HK$41,507
baseline
▲ 0.50% · 4.625%
HK$43,694
+HK$2,187/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,014/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,511
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,926
−HK$1,439/mo
Today · 4.125%
HK$48,365
baseline
▲ 0.50% · 4.625%
HK$51,307
+HK$2,942/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,730/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,630
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,988
−HK$1,378/mo
Today · 4.125%
HK$53,366
baseline
▲ 0.50% · 4.625%
HK$56,179
+HK$2,813/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,732/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,804 · Scale 2, in force from 26 Feb 2026)