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$24,441
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,201
−HK$773/mo
Today · 4.125%
HK$25,974
baseline
▲ 0.50% · 4.625%
HK$27,554
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,948/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,191
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,920
−HK$740/mo
Today · 4.125%
HK$28,660
baseline
▲ 0.50% · 4.625%
HK$30,170
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,320/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,329
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,242
−HK$927/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$33,065
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,629
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,504
−HK$887/mo
Today · 4.125%
HK$34,391
baseline
▲ 0.50% · 4.625%
HK$36,204
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,782/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,218
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,282
−HK$1,081/mo
Today · 4.125%
HK$36,363
baseline
▲ 0.50% · 4.625%
HK$38,576
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,726/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,067
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,088
−HK$1,035/mo
Today · 4.125%
HK$40,123
baseline
▲ 0.50% · 4.625%
HK$42,238
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,246/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,994
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,363
−HK$1,390/mo
Today · 4.125%
HK$46,753
baseline
▲ 0.50% · 4.625%
HK$49,598
+HK$2,845/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,506/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,943
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,256
−HK$1,331/mo
Today · 4.125%
HK$51,587
baseline
▲ 0.50% · 4.625%
HK$54,306
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,174/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,948 · Scale 2, in force from 26 Feb 2026)