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$24,675
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,443
−HK$779/mo
Today · 4.125%
HK$26,222
baseline
▲ 0.50% · 4.625%
HK$27,818
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,444/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,451
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,187
−HK$747/mo
Today · 4.125%
HK$28,934
baseline
▲ 0.50% · 4.625%
HK$30,459
+HK$1,525/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,868/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,610
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,531
−HK$936/mo
Today · 4.125%
HK$31,467
baseline
▲ 0.50% · 4.625%
HK$33,381
+HK$1,914/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$62,934/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,941
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,824
−HK$896/mo
Today · 4.125%
HK$34,720
baseline
▲ 0.50% · 4.625%
HK$36,551
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.49M · min. income ≈ HK$69,440/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,545
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,620
−HK$1,091/mo
Today · 4.125%
HK$36,711
baseline
▲ 0.50% · 4.625%
HK$38,945
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$73,422/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,431
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,462
−HK$1,045/mo
Today · 4.125%
HK$40,507
baseline
▲ 0.50% · 4.625%
HK$42,642
+HK$2,135/mo
Deposit HK$3.25M · loan HK$7.57M · min. income ≈ HK$81,014/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,415
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,797
−HK$1,403/mo
Today · 4.125%
HK$47,200
baseline
▲ 0.50% · 4.625%
HK$50,072
+HK$2,872/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,400/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,411
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,736
−HK$1,345/mo
Today · 4.125%
HK$52,081
baseline
▲ 0.50% · 4.625%
HK$54,826
+HK$2,745/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,162/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,793 · Scale 2, in force from 26 Feb 2026)