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$24,758
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,529
−HK$782/mo
Today · 4.125%
HK$26,311
baseline
▲ 0.50% · 4.625%
HK$27,912
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,622/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,543
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,282
−HK$750/mo
Today · 4.125%
HK$29,032
baseline
▲ 0.50% · 4.625%
HK$30,562
+HK$1,530/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,064/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,634
−HK$939/mo
Today · 4.125%
HK$31,573
baseline
▲ 0.50% · 4.625%
HK$33,494
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,146/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,052
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,939
−HK$899/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,674
+HK$1,836/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,662
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,740
−HK$1,095/mo
Today · 4.125%
HK$36,835
baseline
▲ 0.50% · 4.625%
HK$39,077
+HK$2,242/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,670/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,561
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,595
−HK$1,049/mo
Today · 4.125%
HK$40,644
baseline
▲ 0.50% · 4.625%
HK$42,787
+HK$2,143/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,288/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,565
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,951
−HK$1,409/mo
Today · 4.125%
HK$47,360
baseline
▲ 0.50% · 4.625%
HK$50,242
+HK$2,882/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,720/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,578
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,908
−HK$1,349/mo
Today · 4.125%
HK$52,257
baseline
▲ 0.50% · 4.625%
HK$55,011
+HK$2,754/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,514/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,166 · Scale 2, in force from 26 Feb 2026)