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$25,283
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$799/mo
Today · 4.125%
HK$26,868
baseline
▲ 0.50% · 4.625%
HK$28,503
+HK$1,635/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$53,736/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$28,881
−HK$765/mo
Today · 4.125%
HK$29,646
baseline
▲ 0.50% · 4.625%
HK$31,209
+HK$1,563/mo
Deposit HK$5.54M · loan HK$5.54M · min. income ≈ HK$59,292/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$415,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,339
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$959/mo
Today · 4.125%
HK$32,242
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,961/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$64,484/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,752
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,657
−HK$918/mo
Today · 4.125%
HK$35,575
baseline
▲ 0.50% · 4.625%
HK$37,451
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.65M · min. income ≈ HK$71,150/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$415,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,396
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$36,497
−HK$1,118/mo
Today · 4.125%
HK$37,615
baseline
▲ 0.50% · 4.625%
HK$39,904
+HK$2,289/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$75,230/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,377
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$40,433
−HK$1,072/mo
Today · 4.125%
HK$41,505
baseline
▲ 0.50% · 4.625%
HK$43,692
+HK$2,187/mo
Deposit HK$3.33M · loan HK$7.76M · min. income ≈ HK$83,010/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$415,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,509
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,924
−HK$1,438/mo
Today · 4.125%
HK$48,362
baseline
▲ 0.50% · 4.625%
HK$51,305
+HK$2,943/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,724/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,628
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,986
−HK$1,377/mo
Today · 4.125%
HK$53,363
baseline
▲ 0.50% · 4.625%
HK$56,176
+HK$2,813/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,726/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$415,785 · Scale 2, in force from 26 Feb 2026)