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$25,041
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$25,820
−HK$791/mo
Today · 4.125%
HK$26,611
baseline
▲ 0.50% · 4.625%
HK$28,231
+HK$1,620/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$53,222/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,858
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$28,605
−HK$758/mo
Today · 4.125%
HK$29,363
baseline
▲ 0.50% · 4.625%
HK$30,911
+HK$1,548/mo
Deposit HK$5.49M · loan HK$5.49M · min. income ≈ HK$58,726/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$411,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,984
−HK$950/mo
Today · 4.125%
HK$31,934
baseline
▲ 0.50% · 4.625%
HK$33,877
+HK$1,943/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$63,868/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,429
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,326
−HK$910/mo
Today · 4.125%
HK$35,236
baseline
▲ 0.50% · 4.625%
HK$37,093
+HK$1,857/mo
Deposit HK$4.39M · loan HK$6.59M · min. income ≈ HK$70,472/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,057
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$36,148
−HK$1,108/mo
Today · 4.125%
HK$37,256
baseline
▲ 0.50% · 4.625%
HK$39,523
+HK$2,267/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$74,512/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,001
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$40,047
−HK$1,061/mo
Today · 4.125%
HK$41,108
baseline
▲ 0.50% · 4.625%
HK$43,275
+HK$2,167/mo
Deposit HK$3.29M · loan HK$7.69M · min. income ≈ HK$82,216/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$411,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,074
−HK$2,826/mo
▼ 0.25% · 3.875%
HK$46,476
−HK$1,424/mo
Today · 4.125%
HK$47,900
baseline
▲ 0.50% · 4.625%
HK$50,815
+HK$2,915/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$95,800/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,144
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$51,489
−HK$1,364/mo
Today · 4.125%
HK$52,853
baseline
▲ 0.50% · 4.625%
HK$55,639
+HK$2,786/mo
Deposit HK$1.10M · loan HK$9.88M · min. income ≈ HK$105,706/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,813 · Scale 2, in force from 26 Feb 2026)