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$24,128
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$763/mo
Today · 4.125%
HK$25,641
baseline
▲ 0.50% · 4.625%
HK$27,201
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,282/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,842
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,562
−HK$730/mo
Today · 4.125%
HK$28,292
baseline
▲ 0.50% · 4.625%
HK$29,783
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,584/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,953
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,854
−HK$915/mo
Today · 4.125%
HK$30,769
baseline
▲ 0.50% · 4.625%
HK$32,641
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,538/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,210
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,074
−HK$876/mo
Today · 4.125%
HK$33,950
baseline
▲ 0.50% · 4.625%
HK$35,740
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,900/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,779
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,830
−HK$1,067/mo
Today · 4.125%
HK$35,897
baseline
▲ 0.50% · 4.625%
HK$38,081
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,794/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,579
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,586
−HK$1,023/mo
Today · 4.125%
HK$39,609
baseline
▲ 0.50% · 4.625%
HK$41,697
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,218/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,430
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,781
−HK$1,372/mo
Today · 4.125%
HK$46,153
baseline
▲ 0.50% · 4.625%
HK$48,962
+HK$2,809/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,306/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,315
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,611
−HK$1,315/mo
Today · 4.125%
HK$50,926
baseline
▲ 0.50% · 4.625%
HK$53,610
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,852/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,794 · Scale 2, in force from 26 Feb 2026)