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$24,125
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,876
−HK$762/mo
Today · 4.125%
HK$25,638
baseline
▲ 0.50% · 4.625%
HK$27,198
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,276/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,839
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,559
−HK$730/mo
Today · 4.125%
HK$28,289
baseline
▲ 0.50% · 4.625%
HK$29,781
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,578/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,951
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,851
−HK$915/mo
Today · 4.125%
HK$30,766
baseline
▲ 0.50% · 4.625%
HK$32,638
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,532/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,207
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,071
−HK$876/mo
Today · 4.125%
HK$33,947
baseline
▲ 0.50% · 4.625%
HK$35,737
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,894/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,776
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,826
−HK$1,068/mo
Today · 4.125%
HK$35,894
baseline
▲ 0.50% · 4.625%
HK$38,078
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,788/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,575
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,583
−HK$1,022/mo
Today · 4.125%
HK$39,605
baseline
▲ 0.50% · 4.625%
HK$41,693
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,210/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,426
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,777
−HK$1,372/mo
Today · 4.125%
HK$46,149
baseline
▲ 0.50% · 4.625%
HK$48,957
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,298/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,311
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,606
−HK$1,315/mo
Today · 4.125%
HK$50,921
baseline
▲ 0.50% · 4.625%
HK$53,605
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,842/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,756 · Scale 2, in force from 26 Feb 2026)