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$24,893
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$25,668
−HK$786/mo
Today · 4.125%
HK$26,454
baseline
▲ 0.50% · 4.625%
HK$28,064
+HK$1,610/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,908/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,694
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$28,436
−HK$754/mo
Today · 4.125%
HK$29,190
baseline
▲ 0.50% · 4.625%
HK$30,728
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,380/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$409,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,872
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,801
−HK$944/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,677
+HK$1,932/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,232
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,124
−HK$904/mo
Today · 4.125%
HK$35,028
baseline
▲ 0.50% · 4.625%
HK$36,874
+HK$1,846/mo
Deposit HK$4.37M · loan HK$6.55M · min. income ≈ HK$70,056/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$409,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,851
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,935
−HK$1,101/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$39,290
+HK$2,254/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,771
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,811
−HK$1,055/mo
Today · 4.125%
HK$40,866
baseline
▲ 0.50% · 4.625%
HK$43,020
+HK$2,154/mo
Deposit HK$3.28M · loan HK$7.64M · min. income ≈ HK$81,732/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,808
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,202
−HK$1,416/mo
Today · 4.125%
HK$47,618
baseline
▲ 0.50% · 4.625%
HK$50,515
+HK$2,897/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$95,236/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,848
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,185
−HK$1,357/mo
Today · 4.125%
HK$52,542
baseline
▲ 0.50% · 4.625%
HK$55,311
+HK$2,769/mo
Deposit HK$1.09M · loan HK$9.83M · min. income ≈ HK$105,084/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,384 · Scale 2, in force from 26 Feb 2026)