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$24,580
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,345
−HK$776/mo
Today · 4.125%
HK$26,121
baseline
▲ 0.50% · 4.625%
HK$27,711
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,242/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,345
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$744/mo
Today · 4.125%
HK$28,822
baseline
▲ 0.50% · 4.625%
HK$30,342
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,644/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$404,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,496
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,413
−HK$933/mo
Today · 4.125%
HK$31,346
baseline
▲ 0.50% · 4.625%
HK$33,253
+HK$1,907/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,692/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,814
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,694
−HK$893/mo
Today · 4.125%
HK$34,587
baseline
▲ 0.50% · 4.625%
HK$36,410
+HK$1,823/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,174/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,412
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,482
−HK$1,088/mo
Today · 4.125%
HK$36,570
baseline
▲ 0.50% · 4.625%
HK$38,795
+HK$2,225/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,140/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,283
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,310
−HK$1,041/mo
Today · 4.125%
HK$40,351
baseline
▲ 0.50% · 4.625%
HK$42,478
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,702/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,244
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,620
−HK$1,398/mo
Today · 4.125%
HK$47,018
baseline
▲ 0.50% · 4.625%
HK$49,879
+HK$2,861/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,036/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,221
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,541
−HK$1,339/mo
Today · 4.125%
HK$51,880
baseline
▲ 0.50% · 4.625%
HK$54,615
+HK$2,735/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,760/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,230 · Scale 2, in force from 26 Feb 2026)