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$24,749
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,519
−HK$782/mo
Today · 4.125%
HK$26,301
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,602/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,533
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$749/mo
Today · 4.125%
HK$29,020
baseline
▲ 0.50% · 4.625%
HK$30,550
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,040/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,698
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$939/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,481
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,039
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,925
−HK$899/mo
Today · 4.125%
HK$34,824
baseline
▲ 0.50% · 4.625%
HK$36,660
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,648/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,648
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,726
−HK$1,095/mo
Today · 4.125%
HK$36,821
baseline
▲ 0.50% · 4.625%
HK$39,061
+HK$2,240/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,642/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,546
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,580
−HK$1,048/mo
Today · 4.125%
HK$40,628
baseline
▲ 0.50% · 4.625%
HK$42,770
+HK$2,142/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,256/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,548
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,933
−HK$1,408/mo
Today · 4.125%
HK$47,341
baseline
▲ 0.50% · 4.625%
HK$50,222
+HK$2,881/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,682/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,559
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,888
−HK$1,348/mo
Today · 4.125%
HK$52,236
baseline
▲ 0.50% · 4.625%
HK$54,990
+HK$2,754/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,472/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,006 · Scale 2, in force from 26 Feb 2026)