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$24,270
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$767/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,362
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,000
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,725
−HK$734/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$29,959
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,918/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,124
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,030
−HK$921/mo
Today · 4.125%
HK$30,951
baseline
▲ 0.50% · 4.625%
HK$32,834
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,902/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,401
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,269
−HK$882/mo
Today · 4.125%
HK$34,151
baseline
▲ 0.50% · 4.625%
HK$35,951
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,302/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,978
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,035
−HK$1,074/mo
Today · 4.125%
HK$36,109
baseline
▲ 0.50% · 4.625%
HK$38,306
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,218/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,801
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,814
−HK$1,029/mo
Today · 4.125%
HK$39,843
baseline
▲ 0.50% · 4.625%
HK$41,943
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,686/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,687
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,045
−HK$1,381/mo
Today · 4.125%
HK$46,426
baseline
▲ 0.50% · 4.625%
HK$49,251
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,852/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,601
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,904
−HK$1,323/mo
Today · 4.125%
HK$51,227
baseline
▲ 0.50% · 4.625%
HK$53,927
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,454/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,138 · Scale 2, in force from 26 Feb 2026)