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$24,653
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,420
−HK$779/mo
Today · 4.125%
HK$26,199
baseline
▲ 0.50% · 4.625%
HK$27,794
+HK$1,595/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,398/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,427
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,162
−HK$746/mo
Today · 4.125%
HK$28,908
baseline
▲ 0.50% · 4.625%
HK$30,432
+HK$1,524/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,816/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,504
−HK$935/mo
Today · 4.125%
HK$31,439
baseline
▲ 0.50% · 4.625%
HK$33,352
+HK$1,913/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$62,878/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,912
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,795
−HK$895/mo
Today · 4.125%
HK$34,690
baseline
▲ 0.50% · 4.625%
HK$36,519
+HK$1,829/mo
Deposit HK$4.32M · loan HK$6.49M · min. income ≈ HK$69,380/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,515
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,588
−HK$1,091/mo
Today · 4.125%
HK$36,679
baseline
▲ 0.50% · 4.625%
HK$38,911
+HK$2,232/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$73,358/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,397
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,427
−HK$1,045/mo
Today · 4.125%
HK$40,472
baseline
▲ 0.50% · 4.625%
HK$42,605
+HK$2,133/mo
Deposit HK$3.24M · loan HK$7.57M · min. income ≈ HK$80,944/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,376
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,757
−HK$1,402/mo
Today · 4.125%
HK$47,159
baseline
▲ 0.50% · 4.625%
HK$50,028
+HK$2,869/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$94,318/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,368
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,692
−HK$1,343/mo
Today · 4.125%
HK$52,035
baseline
▲ 0.50% · 4.625%
HK$54,778
+HK$2,743/mo
Deposit HK$1.08M · loan HK$9.73M · min. income ≈ HK$104,070/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,439 · Scale 2, in force from 26 Feb 2026)