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$24,603
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,368
−HK$778/mo
Today · 4.125%
HK$26,146
baseline
▲ 0.50% · 4.625%
HK$27,737
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,292/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,371
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,105
−HK$744/mo
Today · 4.125%
HK$28,849
baseline
▲ 0.50% · 4.625%
HK$30,370
+HK$1,521/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,698/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,524
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,442
−HK$933/mo
Today · 4.125%
HK$31,375
baseline
▲ 0.50% · 4.625%
HK$33,284
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,750/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,845
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,726
−HK$893/mo
Today · 4.125%
HK$34,619
baseline
▲ 0.50% · 4.625%
HK$36,444
+HK$1,825/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,238/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,444
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,516
−HK$1,088/mo
Today · 4.125%
HK$36,604
baseline
▲ 0.50% · 4.625%
HK$38,831
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,208/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,319
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,347
−HK$1,042/mo
Today · 4.125%
HK$40,389
baseline
▲ 0.50% · 4.625%
HK$42,518
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,778/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,285
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,663
−HK$1,399/mo
Today · 4.125%
HK$47,062
baseline
▲ 0.50% · 4.625%
HK$49,926
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,124/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,267
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,588
−HK$1,341/mo
Today · 4.125%
HK$51,929
baseline
▲ 0.50% · 4.625%
HK$54,666
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,858/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,610 · Scale 2, in force from 26 Feb 2026)