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$24,504
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,266
−HK$775/mo
Today · 4.125%
HK$26,041
baseline
▲ 0.50% · 4.625%
HK$27,625
+HK$1,584/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,082/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,261
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,992
−HK$741/mo
Today · 4.125%
HK$28,733
baseline
▲ 0.50% · 4.625%
HK$30,248
+HK$1,515/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,466/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$402,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,405
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,320
−HK$929/mo
Today · 4.125%
HK$31,249
baseline
▲ 0.50% · 4.625%
HK$33,150
+HK$1,901/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$62,498/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,713
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,590
−HK$890/mo
Today · 4.125%
HK$34,480
baseline
▲ 0.50% · 4.625%
HK$36,298
+HK$1,818/mo
Deposit HK$4.30M · loan HK$6.45M · min. income ≈ HK$68,960/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,306
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$35,373
−HK$1,084/mo
Today · 4.125%
HK$36,457
baseline
▲ 0.50% · 4.625%
HK$38,675
+HK$2,218/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,914/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,165
−HK$2,062/mo
▼ 0.25% · 3.875%
HK$39,188
−HK$1,039/mo
Today · 4.125%
HK$40,227
baseline
▲ 0.50% · 4.625%
HK$42,347
+HK$2,120/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,454/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$402,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,107
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,479
−HK$1,394/mo
Today · 4.125%
HK$46,873
baseline
▲ 0.50% · 4.625%
HK$49,725
+HK$2,852/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$93,746/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,069
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,385
−HK$1,335/mo
Today · 4.125%
HK$51,720
baseline
▲ 0.50% · 4.625%
HK$54,446
+HK$2,726/mo
Deposit HK$1.07M · loan HK$9.67M · min. income ≈ HK$103,440/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,983 · Scale 2, in force from 26 Feb 2026)