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$24,903
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,677
−HK$787/mo
Today · 4.125%
HK$26,464
baseline
▲ 0.50% · 4.625%
HK$28,075
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,928/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,704
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,447
−HK$754/mo
Today · 4.125%
HK$29,201
baseline
▲ 0.50% · 4.625%
HK$30,740
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,402/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,883
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,813
−HK$944/mo
Today · 4.125%
HK$31,757
baseline
▲ 0.50% · 4.625%
HK$33,690
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,514/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,137
−HK$904/mo
Today · 4.125%
HK$35,041
baseline
▲ 0.50% · 4.625%
HK$36,888
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,082/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,864
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,948
−HK$1,102/mo
Today · 4.125%
HK$37,050
baseline
▲ 0.50% · 4.625%
HK$39,305
+HK$2,255/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,100/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,786
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,826
−HK$1,055/mo
Today · 4.125%
HK$40,881
baseline
▲ 0.50% · 4.625%
HK$43,036
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,762/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,825
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,219
−HK$1,417/mo
Today · 4.125%
HK$47,636
baseline
▲ 0.50% · 4.625%
HK$50,534
+HK$2,898/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,272/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,867
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,205
−HK$1,357/mo
Today · 4.125%
HK$52,562
baseline
▲ 0.50% · 4.625%
HK$55,332
+HK$2,770/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,124/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,539 · Scale 2, in force from 26 Feb 2026)