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$24,280
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,035
−HK$768/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,011
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,736
−HK$735/mo
Today · 4.125%
HK$28,471
baseline
▲ 0.50% · 4.625%
HK$29,971
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,942/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,136
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,042
−HK$921/mo
Today · 4.125%
HK$30,963
baseline
▲ 0.50% · 4.625%
HK$32,847
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,926/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,414
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,283
−HK$882/mo
Today · 4.125%
HK$34,165
baseline
▲ 0.50% · 4.625%
HK$35,966
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,330/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,992
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,049
−HK$1,075/mo
Today · 4.125%
HK$36,124
baseline
▲ 0.50% · 4.625%
HK$38,322
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,248/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,816
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,830
−HK$1,029/mo
Today · 4.125%
HK$39,859
baseline
▲ 0.50% · 4.625%
HK$41,960
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,718/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,704
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,063
−HK$1,382/mo
Today · 4.125%
HK$46,445
baseline
▲ 0.50% · 4.625%
HK$49,271
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,890/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,620
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,924
−HK$1,323/mo
Today · 4.125%
HK$51,247
baseline
▲ 0.50% · 4.625%
HK$53,948
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,494/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,298 · Scale 2, in force from 26 Feb 2026)