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$24,748
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,518
−HK$782/mo
Today · 4.125%
HK$26,300
baseline
▲ 0.50% · 4.625%
HK$27,901
+HK$1,601/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,600/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,532
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,271
−HK$749/mo
Today · 4.125%
HK$29,020
baseline
▲ 0.50% · 4.625%
HK$30,549
+HK$1,529/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,040/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$407,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,698
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$938/mo
Today · 4.125%
HK$31,560
baseline
▲ 0.50% · 4.625%
HK$33,481
+HK$1,921/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,120/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,039
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,925
−HK$899/mo
Today · 4.125%
HK$34,824
baseline
▲ 0.50% · 4.625%
HK$36,659
+HK$1,835/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,648/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,648
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,725
−HK$1,095/mo
Today · 4.125%
HK$36,820
baseline
▲ 0.50% · 4.625%
HK$39,061
+HK$2,241/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$73,640/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,545
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,579
−HK$1,049/mo
Today · 4.125%
HK$40,628
baseline
▲ 0.50% · 4.625%
HK$42,769
+HK$2,141/mo
Deposit HK$3.26M · loan HK$7.60M · min. income ≈ HK$81,256/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$407,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,547
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,933
−HK$1,408/mo
Today · 4.125%
HK$47,341
baseline
▲ 0.50% · 4.625%
HK$50,221
+HK$2,880/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$94,682/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,558
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,887
−HK$1,349/mo
Today · 4.125%
HK$52,236
baseline
▲ 0.50% · 4.625%
HK$54,989
+HK$2,753/mo
Deposit HK$1.09M · loan HK$9.77M · min. income ≈ HK$104,472/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,000 · Scale 2, in force from 26 Feb 2026)