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$24,484
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,246
−HK$774/mo
Today · 4.125%
HK$26,020
baseline
▲ 0.50% · 4.625%
HK$27,603
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,040/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,239
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,969
−HK$741/mo
Today · 4.125%
HK$28,710
baseline
▲ 0.50% · 4.625%
HK$30,224
+HK$1,514/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,420/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,381
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,295
−HK$929/mo
Today · 4.125%
HK$31,224
baseline
▲ 0.50% · 4.625%
HK$33,124
+HK$1,900/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$62,448/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,686
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,563
−HK$889/mo
Today · 4.125%
HK$34,452
baseline
▲ 0.50% · 4.625%
HK$36,268
+HK$1,816/mo
Deposit HK$4.30M · loan HK$6.44M · min. income ≈ HK$68,904/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,278
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$35,345
−HK$1,083/mo
Today · 4.125%
HK$36,428
baseline
▲ 0.50% · 4.625%
HK$38,644
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,856/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,134
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,157
−HK$1,037/mo
Today · 4.125%
HK$40,194
baseline
▲ 0.50% · 4.625%
HK$42,313
+HK$2,119/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,388/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,072
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,443
−HK$1,393/mo
Today · 4.125%
HK$46,836
baseline
▲ 0.50% · 4.625%
HK$49,686
+HK$2,850/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,672/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,030
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,345
−HK$1,334/mo
Today · 4.125%
HK$51,679
baseline
▲ 0.50% · 4.625%
HK$54,403
+HK$2,724/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,358/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,660 · Scale 2, in force from 26 Feb 2026)