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$24,295
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,051
−HK$768/mo
Today · 4.125%
HK$25,819
baseline
▲ 0.50% · 4.625%
HK$27,390
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,638/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,028
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$735/mo
Today · 4.125%
HK$28,488
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,976/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,154
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,061
−HK$921/mo
Today · 4.125%
HK$30,982
baseline
▲ 0.50% · 4.625%
HK$32,867
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,964/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,434
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,303
−HK$883/mo
Today · 4.125%
HK$34,186
baseline
▲ 0.50% · 4.625%
HK$35,988
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,372/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,013
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,071
−HK$1,075/mo
Today · 4.125%
HK$36,146
baseline
▲ 0.50% · 4.625%
HK$38,345
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,292/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,839
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,854
−HK$1,029/mo
Today · 4.125%
HK$39,883
baseline
▲ 0.50% · 4.625%
HK$41,986
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,766/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,731
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,091
−HK$1,382/mo
Today · 4.125%
HK$46,473
baseline
▲ 0.50% · 4.625%
HK$49,301
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,946/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,650
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,955
−HK$1,324/mo
Today · 4.125%
HK$51,279
baseline
▲ 0.50% · 4.625%
HK$53,982
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,558/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,545 · Scale 2, in force from 26 Feb 2026)