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$24,742
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,512
−HK$782/mo
Today · 4.125%
HK$26,294
baseline
▲ 0.50% · 4.625%
HK$27,894
+HK$1,600/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,588/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,526
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,264
−HK$749/mo
Today · 4.125%
HK$29,013
baseline
▲ 0.50% · 4.625%
HK$30,542
+HK$1,529/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,026/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,691
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,614
−HK$939/mo
Today · 4.125%
HK$31,553
baseline
▲ 0.50% · 4.625%
HK$33,473
+HK$1,920/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,106/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,031
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,917
−HK$898/mo
Today · 4.125%
HK$34,815
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,630/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$406,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,639
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,717
−HK$1,095/mo
Today · 4.125%
HK$36,812
baseline
▲ 0.50% · 4.625%
HK$39,051
+HK$2,239/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,624/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,536
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,569
−HK$1,049/mo
Today · 4.125%
HK$40,618
baseline
▲ 0.50% · 4.625%
HK$42,759
+HK$2,141/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,236/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,536
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,922
−HK$1,407/mo
Today · 4.125%
HK$47,329
baseline
▲ 0.50% · 4.625%
HK$50,209
+HK$2,880/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,658/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,546
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,875
−HK$1,348/mo
Today · 4.125%
HK$52,223
baseline
▲ 0.50% · 4.625%
HK$54,976
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,446/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,902 · Scale 2, in force from 26 Feb 2026)