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$25,009
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,787
−HK$790/mo
Today · 4.125%
HK$26,577
baseline
▲ 0.50% · 4.625%
HK$28,194
+HK$1,617/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,154/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,822
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,568
−HK$757/mo
Today · 4.125%
HK$29,325
baseline
▲ 0.50% · 4.625%
HK$30,871
+HK$1,546/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,650/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,010
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,944
−HK$948/mo
Today · 4.125%
HK$31,892
baseline
▲ 0.50% · 4.625%
HK$33,833
+HK$1,941/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,784/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,386
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,282
−HK$908/mo
Today · 4.125%
HK$35,190
baseline
▲ 0.50% · 4.625%
HK$37,045
+HK$1,855/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,380/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,012
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$36,101
−HK$1,107/mo
Today · 4.125%
HK$37,208
baseline
▲ 0.50% · 4.625%
HK$39,472
+HK$2,264/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$74,416/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,951
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,995
−HK$1,060/mo
Today · 4.125%
HK$41,055
baseline
▲ 0.50% · 4.625%
HK$43,219
+HK$2,164/mo
Deposit HK$3.29M · loan HK$7.68M · min. income ≈ HK$82,110/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,016
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,416
−HK$1,422/mo
Today · 4.125%
HK$47,838
baseline
▲ 0.50% · 4.625%
HK$50,749
+HK$2,911/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,676/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,079
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$51,423
−HK$1,362/mo
Today · 4.125%
HK$52,785
baseline
▲ 0.50% · 4.625%
HK$55,567
+HK$2,782/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,570/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,281 · Scale 2, in force from 26 Feb 2026)