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$24,067
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$760/mo
Today · 4.125%
HK$25,576
baseline
▲ 0.50% · 4.625%
HK$27,133
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,152/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,774
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,492
−HK$729/mo
Today · 4.125%
HK$28,221
baseline
▲ 0.50% · 4.625%
HK$29,708
+HK$1,487/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,442/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,880
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,779
−HK$913/mo
Today · 4.125%
HK$30,692
baseline
▲ 0.50% · 4.625%
HK$32,559
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,384/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,129
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$874/mo
Today · 4.125%
HK$33,865
baseline
▲ 0.50% · 4.625%
HK$35,650
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,730/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,694
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,742
−HK$1,065/mo
Today · 4.125%
HK$35,807
baseline
▲ 0.50% · 4.625%
HK$37,986
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,614/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,484
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,489
−HK$1,020/mo
Today · 4.125%
HK$39,509
baseline
▲ 0.50% · 4.625%
HK$41,592
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,018/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,321
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,668
−HK$1,369/mo
Today · 4.125%
HK$46,037
baseline
▲ 0.50% · 4.625%
HK$48,839
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,074/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,194
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,486
−HK$1,312/mo
Today · 4.125%
HK$50,798
baseline
▲ 0.50% · 4.625%
HK$53,475
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,596/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,795 · Scale 2, in force from 26 Feb 2026)