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$24,294
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,050
−HK$767/mo
Today · 4.125%
HK$25,817
baseline
▲ 0.50% · 4.625%
HK$27,388
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,634/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,027
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,752
−HK$735/mo
Today · 4.125%
HK$28,487
baseline
▲ 0.50% · 4.625%
HK$29,988
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,974/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,153
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$922/mo
Today · 4.125%
HK$30,981
baseline
▲ 0.50% · 4.625%
HK$32,866
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,962/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,302
−HK$882/mo
Today · 4.125%
HK$34,184
baseline
▲ 0.50% · 4.625%
HK$35,986
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,368/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,011
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,069
−HK$1,075/mo
Today · 4.125%
HK$36,144
baseline
▲ 0.50% · 4.625%
HK$38,344
+HK$2,200/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,288/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,837
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,852
−HK$1,030/mo
Today · 4.125%
HK$39,882
baseline
▲ 0.50% · 4.625%
HK$41,984
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,764/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,729
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,089
−HK$1,382/mo
Today · 4.125%
HK$46,471
baseline
▲ 0.50% · 4.625%
HK$49,299
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,942/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,648
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,953
−HK$1,323/mo
Today · 4.125%
HK$51,276
baseline
▲ 0.50% · 4.625%
HK$53,979
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,552/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,526 · Scale 2, in force from 26 Feb 2026)