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$24,553
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$776/mo
Today · 4.125%
HK$26,093
baseline
▲ 0.50% · 4.625%
HK$27,680
+HK$1,587/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,186/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,315
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,047
−HK$744/mo
Today · 4.125%
HK$28,791
baseline
▲ 0.50% · 4.625%
HK$30,308
+HK$1,517/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,582/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,464
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,380
−HK$931/mo
Today · 4.125%
HK$31,311
baseline
▲ 0.50% · 4.625%
HK$33,216
+HK$1,905/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,622/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,778
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,657
−HK$892/mo
Today · 4.125%
HK$34,549
baseline
▲ 0.50% · 4.625%
HK$36,370
+HK$1,821/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,098/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,374
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,443
−HK$1,087/mo
Today · 4.125%
HK$36,530
baseline
▲ 0.50% · 4.625%
HK$38,752
+HK$2,222/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,060/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,241
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,266
−HK$1,041/mo
Today · 4.125%
HK$40,307
baseline
▲ 0.50% · 4.625%
HK$42,431
+HK$2,124/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,614/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,195
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,570
−HK$1,397/mo
Today · 4.125%
HK$46,967
baseline
▲ 0.50% · 4.625%
HK$49,824
+HK$2,857/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,934/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,167
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,485
−HK$1,338/mo
Today · 4.125%
HK$51,823
baseline
▲ 0.50% · 4.625%
HK$54,555
+HK$2,732/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,646/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,786 · Scale 2, in force from 26 Feb 2026)