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$24,141
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,892
−HK$763/mo
Today · 4.125%
HK$25,655
baseline
▲ 0.50% · 4.625%
HK$27,216
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,310/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,856
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,577
−HK$730/mo
Today · 4.125%
HK$28,307
baseline
▲ 0.50% · 4.625%
HK$29,800
+HK$1,493/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,614/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,969
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,870
−HK$916/mo
Today · 4.125%
HK$30,786
baseline
▲ 0.50% · 4.625%
HK$32,659
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,572/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,228
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,092
−HK$877/mo
Today · 4.125%
HK$33,969
baseline
▲ 0.50% · 4.625%
HK$35,759
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,938/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,797
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,848
−HK$1,069/mo
Today · 4.125%
HK$35,917
baseline
▲ 0.50% · 4.625%
HK$38,102
+HK$2,185/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,834/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,599
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,607
−HK$1,023/mo
Today · 4.125%
HK$39,630
baseline
▲ 0.50% · 4.625%
HK$41,719
+HK$2,089/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,260/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,454
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,805
−HK$1,373/mo
Today · 4.125%
HK$46,178
baseline
▲ 0.50% · 4.625%
HK$48,988
+HK$2,810/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,356/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,342
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,638
−HK$1,315/mo
Today · 4.125%
HK$50,953
baseline
▲ 0.50% · 4.625%
HK$53,639
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,906/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,009 · Scale 2, in force from 26 Feb 2026)