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$24,998
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$25,776
−HK$790/mo
Today · 4.125%
HK$26,566
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,616/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$53,132/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,810
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$28,556
−HK$757/mo
Today · 4.125%
HK$29,313
baseline
▲ 0.50% · 4.625%
HK$30,858
+HK$1,545/mo
Deposit HK$5.48M · loan HK$5.48M · min. income ≈ HK$58,626/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$411,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,998
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$948/mo
Today · 4.125%
HK$31,879
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,940/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$63,758/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,372
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,267
−HK$908/mo
Today · 4.125%
HK$35,175
baseline
▲ 0.50% · 4.625%
HK$37,029
+HK$1,854/mo
Deposit HK$4.39M · loan HK$6.58M · min. income ≈ HK$70,350/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$411,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,997
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$36,086
−HK$1,106/mo
Today · 4.125%
HK$37,192
baseline
▲ 0.50% · 4.625%
HK$39,455
+HK$2,263/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$74,384/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,934
−HK$2,104/mo
▼ 0.25% · 3.875%
HK$39,979
−HK$1,059/mo
Today · 4.125%
HK$41,038
baseline
▲ 0.50% · 4.625%
HK$43,201
+HK$2,163/mo
Deposit HK$3.29M · loan HK$7.67M · min. income ≈ HK$82,076/mo (50% DSR)
Upfront cash ≈ HK$3.70M (deposit + AVD stamp duty HK$411,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,997
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,396
−HK$1,422/mo
Today · 4.125%
HK$47,818
baseline
▲ 0.50% · 4.625%
HK$50,728
+HK$2,910/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$95,636/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,058
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,401
−HK$1,362/mo
Today · 4.125%
HK$52,763
baseline
▲ 0.50% · 4.625%
HK$55,544
+HK$2,781/mo
Deposit HK$1.10M · loan HK$9.87M · min. income ≈ HK$105,526/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$411,109 · Scale 2, in force from 26 Feb 2026)