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$25,264
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$26,050
−HK$798/mo
Today · 4.125%
HK$26,848
baseline
▲ 0.50% · 4.625%
HK$28,482
+HK$1,634/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,696/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,106
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$28,859
−HK$765/mo
Today · 4.125%
HK$29,624
baseline
▲ 0.50% · 4.625%
HK$31,186
+HK$1,562/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,248/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,316
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,259
−HK$959/mo
Today · 4.125%
HK$32,218
baseline
▲ 0.50% · 4.625%
HK$34,178
+HK$1,960/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$64,436/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$918/mo
Today · 4.125%
HK$35,549
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$1,874/mo
Deposit HK$4.43M · loan HK$6.65M · min. income ≈ HK$71,098/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,369
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$36,469
−HK$1,118/mo
Today · 4.125%
HK$37,587
baseline
▲ 0.50% · 4.625%
HK$39,874
+HK$2,287/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$75,174/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,348
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$40,403
−HK$1,071/mo
Today · 4.125%
HK$41,474
baseline
▲ 0.50% · 4.625%
HK$43,660
+HK$2,186/mo
Deposit HK$3.32M · loan HK$7.76M · min. income ≈ HK$82,948/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,475
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,889
−HK$1,437/mo
Today · 4.125%
HK$48,326
baseline
▲ 0.50% · 4.625%
HK$51,267
+HK$2,941/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$96,652/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,590
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,947
−HK$1,376/mo
Today · 4.125%
HK$53,323
baseline
▲ 0.50% · 4.625%
HK$56,134
+HK$2,811/mo
Deposit HK$1.11M · loan HK$9.97M · min. income ≈ HK$106,646/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,475 · Scale 2, in force from 26 Feb 2026)