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$25,209
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$25,993
−HK$797/mo
Today · 4.125%
HK$26,790
baseline
▲ 0.50% · 4.625%
HK$28,420
+HK$1,630/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$53,580/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,045
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,797
−HK$763/mo
Today · 4.125%
HK$29,560
baseline
▲ 0.50% · 4.625%
HK$31,118
+HK$1,558/mo
Deposit HK$5.53M · loan HK$5.53M · min. income ≈ HK$59,120/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,251
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,192
−HK$956/mo
Today · 4.125%
HK$32,148
baseline
▲ 0.50% · 4.625%
HK$34,104
+HK$1,956/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,296/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,654
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,556
−HK$916/mo
Today · 4.125%
HK$35,472
baseline
▲ 0.50% · 4.625%
HK$37,342
+HK$1,870/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,944/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$414,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,293
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$36,390
−HK$1,116/mo
Today · 4.125%
HK$37,506
baseline
▲ 0.50% · 4.625%
HK$39,788
+HK$2,282/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$75,012/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,263
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$40,316
−HK$1,068/mo
Today · 4.125%
HK$41,384
baseline
▲ 0.50% · 4.625%
HK$43,565
+HK$2,181/mo
Deposit HK$3.32M · loan HK$7.74M · min. income ≈ HK$82,768/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,376
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,788
−HK$1,434/mo
Today · 4.125%
HK$48,222
baseline
▲ 0.50% · 4.625%
HK$51,156
+HK$2,934/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$96,444/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,481
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,834
−HK$1,374/mo
Today · 4.125%
HK$53,208
baseline
▲ 0.50% · 4.625%
HK$56,013
+HK$2,805/mo
Deposit HK$1.11M · loan HK$9.95M · min. income ≈ HK$106,416/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,576 · Scale 2, in force from 26 Feb 2026)