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$24,679
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,447
−HK$780/mo
Today · 4.125%
HK$26,227
baseline
▲ 0.50% · 4.625%
HK$27,823
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,454/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,455
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,192
−HK$747/mo
Today · 4.125%
HK$28,939
baseline
▲ 0.50% · 4.625%
HK$30,464
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,878/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,615
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,536
−HK$936/mo
Today · 4.125%
HK$31,472
baseline
▲ 0.50% · 4.625%
HK$33,387
+HK$1,915/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,944/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,946
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,830
−HK$896/mo
Today · 4.125%
HK$34,726
baseline
▲ 0.50% · 4.625%
HK$36,557
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,452/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,551
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$1,092/mo
Today · 4.125%
HK$36,717
baseline
▲ 0.50% · 4.625%
HK$38,952
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,434/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,437
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,468
−HK$1,046/mo
Today · 4.125%
HK$40,514
baseline
▲ 0.50% · 4.625%
HK$42,650
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,028/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,422
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,804
−HK$1,404/mo
Today · 4.125%
HK$47,208
baseline
▲ 0.50% · 4.625%
HK$50,081
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,416/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,419
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,745
−HK$1,344/mo
Today · 4.125%
HK$52,089
baseline
▲ 0.50% · 4.625%
HK$54,835
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,178/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,861 · Scale 2, in force from 26 Feb 2026)