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$24,226
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,980
−HK$765/mo
Today · 4.125%
HK$25,745
baseline
▲ 0.50% · 4.625%
HK$27,312
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,490/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,951
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$733/mo
Today · 4.125%
HK$28,407
baseline
▲ 0.50% · 4.625%
HK$29,905
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,814/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,071
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,976
−HK$918/mo
Today · 4.125%
HK$30,894
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,788/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,342
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,209
−HK$880/mo
Today · 4.125%
HK$34,089
baseline
▲ 0.50% · 4.625%
HK$35,886
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,178/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,917
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,972
−HK$1,071/mo
Today · 4.125%
HK$36,043
baseline
▲ 0.50% · 4.625%
HK$38,237
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,086/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,732
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,744
−HK$1,026/mo
Today · 4.125%
HK$39,770
baseline
▲ 0.50% · 4.625%
HK$41,867
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,540/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,607
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,963
−HK$1,379/mo
Today · 4.125%
HK$46,342
baseline
▲ 0.50% · 4.625%
HK$49,161
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,684/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,512
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,813
−HK$1,320/mo
Today · 4.125%
HK$51,133
baseline
▲ 0.50% · 4.625%
HK$53,829
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,266/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,412 · Scale 2, in force from 26 Feb 2026)