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$25,025
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,804
−HK$791/mo
Today · 4.125%
HK$26,595
baseline
▲ 0.50% · 4.625%
HK$28,213
+HK$1,618/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,190/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,840
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,587
−HK$758/mo
Today · 4.125%
HK$29,345
baseline
▲ 0.50% · 4.625%
HK$30,891
+HK$1,546/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,690/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,030
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,965
−HK$949/mo
Today · 4.125%
HK$31,914
baseline
▲ 0.50% · 4.625%
HK$33,855
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,828/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,409
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,305
−HK$908/mo
Today · 4.125%
HK$35,213
baseline
▲ 0.50% · 4.625%
HK$37,070
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,426/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,035
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$36,125
−HK$1,108/mo
Today · 4.125%
HK$37,233
baseline
▲ 0.50% · 4.625%
HK$39,498
+HK$2,265/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,466/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,977
−HK$2,105/mo
▼ 0.25% · 3.875%
HK$40,022
−HK$1,060/mo
Today · 4.125%
HK$41,082
baseline
▲ 0.50% · 4.625%
HK$43,248
+HK$2,166/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,164/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,046
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$46,447
−HK$1,423/mo
Today · 4.125%
HK$47,870
baseline
▲ 0.50% · 4.625%
HK$50,783
+HK$2,913/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,740/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,113
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,457
−HK$1,363/mo
Today · 4.125%
HK$52,820
baseline
▲ 0.50% · 4.625%
HK$55,604
+HK$2,784/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,640/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,555 · Scale 2, in force from 26 Feb 2026)