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$24,899
−HK$1,562/mo
▼ 0.25% · 3.875%
HK$25,674
−HK$787/mo
Today · 4.125%
HK$26,461
baseline
▲ 0.50% · 4.625%
HK$28,071
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,922/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,700
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$28,443
−HK$754/mo
Today · 4.125%
HK$29,197
baseline
▲ 0.50% · 4.625%
HK$30,736
+HK$1,539/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,394/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,879
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$944/mo
Today · 4.125%
HK$31,753
baseline
▲ 0.50% · 4.625%
HK$33,685
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,506/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,240
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,132
−HK$904/mo
Today · 4.125%
HK$35,036
baseline
▲ 0.50% · 4.625%
HK$36,883
+HK$1,847/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,072/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,859
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,943
−HK$1,102/mo
Today · 4.125%
HK$37,045
baseline
▲ 0.50% · 4.625%
HK$39,299
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,090/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,780
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,821
−HK$1,055/mo
Today · 4.125%
HK$40,876
baseline
▲ 0.50% · 4.625%
HK$43,030
+HK$2,154/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,752/mo (50% DSR)
Upfront cash ≈ HK$3.69M (deposit + AVD stamp duty HK$409,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,819
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,213
−HK$1,416/mo
Today · 4.125%
HK$47,629
baseline
▲ 0.50% · 4.625%
HK$50,528
+HK$2,899/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,258/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,861
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,198
−HK$1,356/mo
Today · 4.125%
HK$52,554
baseline
▲ 0.50% · 4.625%
HK$55,325
+HK$2,771/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,108/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,484 · Scale 2, in force from 26 Feb 2026)