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$24,906
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,681
−HK$787/mo
Today · 4.125%
HK$26,468
baseline
▲ 0.50% · 4.625%
HK$28,079
+HK$1,611/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,936/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,708
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,451
−HK$754/mo
Today · 4.125%
HK$29,205
baseline
▲ 0.50% · 4.625%
HK$30,745
+HK$1,540/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,410/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,888
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,817
−HK$945/mo
Today · 4.125%
HK$31,762
baseline
▲ 0.50% · 4.625%
HK$33,695
+HK$1,933/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,524/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,250
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,141
−HK$905/mo
Today · 4.125%
HK$35,046
baseline
▲ 0.50% · 4.625%
HK$36,893
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,092/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,869
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,954
−HK$1,102/mo
Today · 4.125%
HK$37,056
baseline
▲ 0.50% · 4.625%
HK$39,310
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$74,112/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,791
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,832
−HK$1,055/mo
Today · 4.125%
HK$40,887
baseline
▲ 0.50% · 4.625%
HK$43,042
+HK$2,155/mo
Deposit HK$3.28M · loan HK$7.65M · min. income ≈ HK$81,774/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,831
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,226
−HK$1,417/mo
Today · 4.125%
HK$47,643
baseline
▲ 0.50% · 4.625%
HK$50,542
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,286/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,875
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,212
−HK$1,357/mo
Today · 4.125%
HK$52,569
baseline
▲ 0.50% · 4.625%
HK$55,340
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,138/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,599 · Scale 2, in force from 26 Feb 2026)