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$24,814
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,586
−HK$784/mo
Today · 4.125%
HK$26,370
baseline
▲ 0.50% · 4.625%
HK$27,974
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,740/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,605
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,345
−HK$752/mo
Today · 4.125%
HK$29,097
baseline
▲ 0.50% · 4.625%
HK$30,630
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,194/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,777
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,703
−HK$941/mo
Today · 4.125%
HK$31,644
baseline
▲ 0.50% · 4.625%
HK$33,569
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,288/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,126
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,015
−HK$901/mo
Today · 4.125%
HK$34,916
baseline
▲ 0.50% · 4.625%
HK$36,756
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,832/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,739
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,820
−HK$1,098/mo
Today · 4.125%
HK$36,918
baseline
▲ 0.50% · 4.625%
HK$39,164
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$73,836/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,647
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,684
−HK$1,051/mo
Today · 4.125%
HK$40,735
baseline
▲ 0.50% · 4.625%
HK$42,882
+HK$2,147/mo
Deposit HK$3.26M · loan HK$7.62M · min. income ≈ HK$81,470/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$408,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,665
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,054
−HK$1,412/mo
Today · 4.125%
HK$47,466
baseline
▲ 0.50% · 4.625%
HK$50,354
+HK$2,888/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,932/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,689
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,022
−HK$1,352/mo
Today · 4.125%
HK$52,374
baseline
▲ 0.50% · 4.625%
HK$55,134
+HK$2,760/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,748/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,076 · Scale 2, in force from 26 Feb 2026)