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$24,803
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,575
−HK$784/mo
Today · 4.125%
HK$26,359
baseline
▲ 0.50% · 4.625%
HK$27,963
+HK$1,604/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$52,718/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,593
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,333
−HK$751/mo
Today · 4.125%
HK$29,084
baseline
▲ 0.50% · 4.625%
HK$30,617
+HK$1,533/mo
Deposit HK$5.44M · loan HK$5.44M · min. income ≈ HK$58,168/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$407,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,764
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,690
−HK$940/mo
Today · 4.125%
HK$31,630
baseline
▲ 0.50% · 4.625%
HK$33,555
+HK$1,925/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$63,260/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,112
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$901/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$36,741
+HK$1,840/mo
Deposit HK$4.35M · loan HK$6.53M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$407,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,725
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,805
−HK$1,097/mo
Today · 4.125%
HK$36,902
baseline
▲ 0.50% · 4.625%
HK$39,148
+HK$2,246/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,804/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,631
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,667
−HK$1,051/mo
Today · 4.125%
HK$40,718
baseline
▲ 0.50% · 4.625%
HK$42,864
+HK$2,146/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,436/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,646
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,035
−HK$1,411/mo
Today · 4.125%
HK$47,446
baseline
▲ 0.50% · 4.625%
HK$50,333
+HK$2,887/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$94,892/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,668
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,000
−HK$1,352/mo
Today · 4.125%
HK$52,352
baseline
▲ 0.50% · 4.625%
HK$55,111
+HK$2,759/mo
Deposit HK$1.09M · loan HK$9.79M · min. income ≈ HK$104,704/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$407,903 · Scale 2, in force from 26 Feb 2026)