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$25,112
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,894
−HK$793/mo
Today · 4.125%
HK$26,687
baseline
▲ 0.50% · 4.625%
HK$28,311
+HK$1,624/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,374/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,937
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,687
−HK$760/mo
Today · 4.125%
HK$29,447
baseline
▲ 0.50% · 4.625%
HK$30,999
+HK$1,552/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,894/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$412,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,135
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$953/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,973
+HK$1,948/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,525
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$912/mo
Today · 4.125%
HK$35,336
baseline
▲ 0.50% · 4.625%
HK$37,199
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,672/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$412,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,157
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,251
−HK$1,111/mo
Today · 4.125%
HK$37,362
baseline
▲ 0.50% · 4.625%
HK$39,636
+HK$2,274/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$74,724/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,112
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$40,161
−HK$1,064/mo
Today · 4.125%
HK$41,225
baseline
▲ 0.50% · 4.625%
HK$43,399
+HK$2,174/mo
Deposit HK$3.30M · loan HK$7.71M · min. income ≈ HK$82,450/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$412,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,202
−HK$2,835/mo
▼ 0.25% · 3.875%
HK$46,609
−HK$1,428/mo
Today · 4.125%
HK$48,037
baseline
▲ 0.50% · 4.625%
HK$50,960
+HK$2,923/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$96,074/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,287
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$51,636
−HK$1,368/mo
Today · 4.125%
HK$53,004
baseline
▲ 0.50% · 4.625%
HK$55,798
+HK$2,794/mo
Deposit HK$1.10M · loan HK$9.91M · min. income ≈ HK$106,008/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$412,988 · Scale 2, in force from 26 Feb 2026)