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$24,601
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$778/mo
Today · 4.125%
HK$26,144
baseline
▲ 0.50% · 4.625%
HK$27,735
+HK$1,591/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$52,288/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,369
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,103
−HK$744/mo
Today · 4.125%
HK$28,847
baseline
▲ 0.50% · 4.625%
HK$30,368
+HK$1,521/mo
Deposit HK$5.39M · loan HK$5.39M · min. income ≈ HK$57,694/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,521
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,440
−HK$933/mo
Today · 4.125%
HK$31,373
baseline
▲ 0.50% · 4.625%
HK$33,282
+HK$1,909/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$62,746/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,842
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,723
−HK$894/mo
Today · 4.125%
HK$34,617
baseline
▲ 0.50% · 4.625%
HK$36,441
+HK$1,824/mo
Deposit HK$4.32M · loan HK$6.47M · min. income ≈ HK$69,234/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,513
−HK$1,089/mo
Today · 4.125%
HK$36,602
baseline
▲ 0.50% · 4.625%
HK$38,829
+HK$2,227/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$73,204/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,316
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,344
−HK$1,042/mo
Today · 4.125%
HK$40,386
baseline
▲ 0.50% · 4.625%
HK$42,515
+HK$2,129/mo
Deposit HK$3.24M · loan HK$7.55M · min. income ≈ HK$80,772/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,282
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,660
−HK$1,399/mo
Today · 4.125%
HK$47,059
baseline
▲ 0.50% · 4.625%
HK$49,923
+HK$2,864/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$94,118/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,263
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,585
−HK$1,340/mo
Today · 4.125%
HK$51,925
baseline
▲ 0.50% · 4.625%
HK$54,662
+HK$2,737/mo
Deposit HK$1.08M · loan HK$9.71M · min. income ≈ HK$103,850/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,580 · Scale 2, in force from 26 Feb 2026)