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$24,961
−HK$1,566/mo
▼ 0.25% · 3.875%
HK$25,738
−HK$789/mo
Today · 4.125%
HK$26,527
baseline
▲ 0.50% · 4.625%
HK$28,141
+HK$1,614/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$53,054/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,769
−HK$1,501/mo
▼ 0.25% · 3.875%
HK$28,514
−HK$756/mo
Today · 4.125%
HK$29,270
baseline
▲ 0.50% · 4.625%
HK$30,812
+HK$1,542/mo
Deposit HK$5.47M · loan HK$5.47M · min. income ≈ HK$58,540/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$410,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,954
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,885
−HK$947/mo
Today · 4.125%
HK$31,832
baseline
▲ 0.50% · 4.625%
HK$33,769
+HK$1,937/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$63,664/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,323
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,217
−HK$907/mo
Today · 4.125%
HK$35,124
baseline
▲ 0.50% · 4.625%
HK$36,975
+HK$1,851/mo
Deposit HK$4.38M · loan HK$6.57M · min. income ≈ HK$70,248/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$410,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,946
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,033
−HK$1,104/mo
Today · 4.125%
HK$37,137
baseline
▲ 0.50% · 4.625%
HK$39,397
+HK$2,260/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$74,274/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,877
−HK$2,101/mo
▼ 0.25% · 3.875%
HK$39,920
−HK$1,058/mo
Today · 4.125%
HK$40,978
baseline
▲ 0.50% · 4.625%
HK$43,137
+HK$2,159/mo
Deposit HK$3.28M · loan HK$7.66M · min. income ≈ HK$81,956/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$410,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,931
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,328
−HK$1,420/mo
Today · 4.125%
HK$47,748
baseline
▲ 0.50% · 4.625%
HK$50,653
+HK$2,905/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$95,496/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,985
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,325
−HK$1,360/mo
Today · 4.125%
HK$52,685
baseline
▲ 0.50% · 4.625%
HK$55,462
+HK$2,777/mo
Deposit HK$1.09M · loan HK$9.85M · min. income ≈ HK$105,370/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$410,504 · Scale 2, in force from 26 Feb 2026)