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$24,776
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$783/mo
Today · 4.125%
HK$26,329
baseline
▲ 0.50% · 4.625%
HK$27,931
+HK$1,602/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$52,658/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,563
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,302
−HK$750/mo
Today · 4.125%
HK$29,052
baseline
▲ 0.50% · 4.625%
HK$30,583
+HK$1,531/mo
Deposit HK$5.43M · loan HK$5.43M · min. income ≈ HK$58,104/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$407,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,731
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,656
−HK$939/mo
Today · 4.125%
HK$31,595
baseline
▲ 0.50% · 4.625%
HK$33,518
+HK$1,923/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$63,190/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,075
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,962
−HK$900/mo
Today · 4.125%
HK$34,862
baseline
▲ 0.50% · 4.625%
HK$36,700
+HK$1,838/mo
Deposit HK$4.35M · loan HK$6.52M · min. income ≈ HK$69,724/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$407,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,686
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,765
−HK$1,096/mo
Today · 4.125%
HK$36,861
baseline
▲ 0.50% · 4.625%
HK$39,104
+HK$2,243/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$73,722/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,588
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,623
−HK$1,049/mo
Today · 4.125%
HK$40,672
baseline
▲ 0.50% · 4.625%
HK$42,816
+HK$2,144/mo
Deposit HK$3.26M · loan HK$7.61M · min. income ≈ HK$81,344/mo (50% DSR)
Upfront cash ≈ HK$3.67M (deposit + AVD stamp duty HK$407,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,596
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,983
−HK$1,410/mo
Today · 4.125%
HK$47,393
baseline
▲ 0.50% · 4.625%
HK$50,276
+HK$2,883/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$94,786/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,613
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,943
−HK$1,350/mo
Today · 4.125%
HK$52,293
baseline
▲ 0.50% · 4.625%
HK$55,050
+HK$2,757/mo
Deposit HK$1.09M · loan HK$9.78M · min. income ≈ HK$104,586/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$407,448 · Scale 2, in force from 26 Feb 2026)