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$24,296
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,052
−HK$768/mo
Today · 4.125%
HK$25,820
baseline
▲ 0.50% · 4.625%
HK$27,391
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,640/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,029
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,754
−HK$736/mo
Today · 4.125%
HK$28,490
baseline
▲ 0.50% · 4.625%
HK$29,991
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,980/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,155
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,062
−HK$922/mo
Today · 4.125%
HK$30,984
baseline
▲ 0.50% · 4.625%
HK$32,869
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,968/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,435
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,305
−HK$882/mo
Today · 4.125%
HK$34,187
baseline
▲ 0.50% · 4.625%
HK$35,989
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,374/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,015
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,073
−HK$1,075/mo
Today · 4.125%
HK$36,148
baseline
▲ 0.50% · 4.625%
HK$38,347
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,296/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,841
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,856
−HK$1,029/mo
Today · 4.125%
HK$39,885
baseline
▲ 0.50% · 4.625%
HK$41,988
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,770/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,733
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,093
−HK$1,383/mo
Today · 4.125%
HK$46,476
baseline
▲ 0.50% · 4.625%
HK$49,303
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,952/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,653
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,957
−HK$1,324/mo
Today · 4.125%
HK$51,281
baseline
▲ 0.50% · 4.625%
HK$53,984
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,562/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,563 · Scale 2, in force from 26 Feb 2026)