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$24,587
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$777/mo
Today · 4.125%
HK$26,129
baseline
▲ 0.50% · 4.625%
HK$27,719
+HK$1,590/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,258/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,353
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,087
−HK$744/mo
Today · 4.125%
HK$28,831
baseline
▲ 0.50% · 4.625%
HK$30,351
+HK$1,520/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,662/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,505
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,423
−HK$932/mo
Today · 4.125%
HK$31,355
baseline
▲ 0.50% · 4.625%
HK$33,263
+HK$1,908/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$62,710/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,824
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,704
−HK$893/mo
Today · 4.125%
HK$34,597
baseline
▲ 0.50% · 4.625%
HK$36,421
+HK$1,824/mo
Deposit HK$4.31M · loan HK$6.47M · min. income ≈ HK$69,194/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,422
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,493
−HK$1,088/mo
Today · 4.125%
HK$36,581
baseline
▲ 0.50% · 4.625%
HK$38,807
+HK$2,226/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$73,162/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,295
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,322
−HK$1,042/mo
Today · 4.125%
HK$40,364
baseline
▲ 0.50% · 4.625%
HK$42,491
+HK$2,127/mo
Deposit HK$3.23M · loan HK$7.55M · min. income ≈ HK$80,728/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,257
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,634
−HK$1,399/mo
Today · 4.125%
HK$47,033
baseline
▲ 0.50% · 4.625%
HK$49,895
+HK$2,862/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$94,066/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,236
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,556
−HK$1,340/mo
Today · 4.125%
HK$51,896
baseline
▲ 0.50% · 4.625%
HK$54,632
+HK$2,736/mo
Deposit HK$1.08M · loan HK$9.70M · min. income ≈ HK$103,792/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,354 · Scale 2, in force from 26 Feb 2026)