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$24,851
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,624
−HK$786/mo
Today · 4.125%
HK$26,410
baseline
▲ 0.50% · 4.625%
HK$28,017
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,820/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,647
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,388
−HK$752/mo
Today · 4.125%
HK$29,140
baseline
▲ 0.50% · 4.625%
HK$30,676
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,280/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,821
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,749
−HK$942/mo
Today · 4.125%
HK$31,691
baseline
▲ 0.50% · 4.625%
HK$33,620
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,382/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,176
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,066
−HK$902/mo
Today · 4.125%
HK$34,968
baseline
▲ 0.50% · 4.625%
HK$36,812
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,936/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,792
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,874
−HK$1,099/mo
Today · 4.125%
HK$36,973
baseline
▲ 0.50% · 4.625%
HK$39,223
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,946/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,705
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,743
−HK$1,053/mo
Today · 4.125%
HK$40,796
baseline
▲ 0.50% · 4.625%
HK$42,947
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,592/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,732
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,124
−HK$1,413/mo
Today · 4.125%
HK$47,537
baseline
▲ 0.50% · 4.625%
HK$50,430
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,074/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,764
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,099
−HK$1,354/mo
Today · 4.125%
HK$52,453
baseline
▲ 0.50% · 4.625%
HK$55,217
+HK$2,764/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,906/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,691 · Scale 2, in force from 26 Feb 2026)