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$25,148
−HK$1,577/mo
▼ 0.25% · 3.875%
HK$25,930
−HK$795/mo
Today · 4.125%
HK$26,725
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,626/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,450/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,977
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$28,727
−HK$761/mo
Today · 4.125%
HK$29,488
baseline
▲ 0.50% · 4.625%
HK$31,043
+HK$1,555/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,976/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$413,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,177
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,116
−HK$954/mo
Today · 4.125%
HK$32,070
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,951/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$64,140/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,472
−HK$914/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$1,865/mo
Deposit HK$4.41M · loan HK$6.62M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,207
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$36,302
−HK$1,113/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,691
+HK$2,276/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$74,830/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,167
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$40,218
−HK$1,066/mo
Today · 4.125%
HK$41,284
baseline
▲ 0.50% · 4.625%
HK$43,460
+HK$2,176/mo
Deposit HK$3.31M · loan HK$7.72M · min. income ≈ HK$82,568/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,266
−HK$2,839/mo
▼ 0.25% · 3.875%
HK$46,674
−HK$1,431/mo
Today · 4.125%
HK$48,105
baseline
▲ 0.50% · 4.625%
HK$51,032
+HK$2,927/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$96,210/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,358
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$51,709
−HK$1,370/mo
Today · 4.125%
HK$53,079
baseline
▲ 0.50% · 4.625%
HK$55,877
+HK$2,798/mo
Deposit HK$1.10M · loan HK$9.93M · min. income ≈ HK$106,158/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$413,570 · Scale 2, in force from 26 Feb 2026)