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$24,482
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,244
−HK$773/mo
Today · 4.125%
HK$26,017
baseline
▲ 0.50% · 4.625%
HK$27,600
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,034/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,236
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,967
−HK$741/mo
Today · 4.125%
HK$28,708
baseline
▲ 0.50% · 4.625%
HK$30,221
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,416/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,379
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,292
−HK$929/mo
Today · 4.125%
HK$31,221
baseline
▲ 0.50% · 4.625%
HK$33,121
+HK$1,900/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,442/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,683
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,560
−HK$889/mo
Today · 4.125%
HK$34,449
baseline
▲ 0.50% · 4.625%
HK$36,265
+HK$1,816/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,898/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,275
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,341
−HK$1,083/mo
Today · 4.125%
HK$36,424
baseline
▲ 0.50% · 4.625%
HK$38,641
+HK$2,217/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$72,848/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,131
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,153
−HK$1,038/mo
Today · 4.125%
HK$40,191
baseline
▲ 0.50% · 4.625%
HK$42,309
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.52M · min. income ≈ HK$80,382/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,068
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,439
−HK$1,392/mo
Today · 4.125%
HK$46,831
baseline
▲ 0.50% · 4.625%
HK$49,681
+HK$2,850/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,662/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,025
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,340
−HK$1,334/mo
Today · 4.125%
HK$51,674
baseline
▲ 0.50% · 4.625%
HK$54,397
+HK$2,723/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,348/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,621 · Scale 2, in force from 26 Feb 2026)