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$24,850
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$785/mo
Today · 4.125%
HK$26,408
baseline
▲ 0.50% · 4.625%
HK$28,015
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,816/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,645
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,387
−HK$752/mo
Today · 4.125%
HK$29,139
baseline
▲ 0.50% · 4.625%
HK$30,675
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,278/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,820
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,748
−HK$942/mo
Today · 4.125%
HK$31,690
baseline
▲ 0.50% · 4.625%
HK$33,618
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,380/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,175
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$903/mo
Today · 4.125%
HK$34,967
baseline
▲ 0.50% · 4.625%
HK$36,810
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,934/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,790
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,872
−HK$1,100/mo
Today · 4.125%
HK$36,972
baseline
▲ 0.50% · 4.625%
HK$39,221
+HK$2,249/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,944/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,704
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,742
−HK$1,053/mo
Today · 4.125%
HK$40,795
baseline
▲ 0.50% · 4.625%
HK$42,945
+HK$2,150/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,590/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,730
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,121
−HK$1,414/mo
Today · 4.125%
HK$47,535
baseline
▲ 0.50% · 4.625%
HK$50,427
+HK$2,892/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,070/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,762
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,096
−HK$1,354/mo
Today · 4.125%
HK$52,450
baseline
▲ 0.50% · 4.625%
HK$55,215
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,900/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,672 · Scale 2, in force from 26 Feb 2026)