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$24,247
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,001
−HK$767/mo
Today · 4.125%
HK$25,768
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,536/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,975
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,698
−HK$734/mo
Today · 4.125%
HK$28,432
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,864/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,097
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$30,002
−HK$919/mo
Today · 4.125%
HK$30,921
baseline
▲ 0.50% · 4.625%
HK$32,803
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,842/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,370
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,238
−HK$881/mo
Today · 4.125%
HK$34,119
baseline
▲ 0.50% · 4.625%
HK$35,917
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,238/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,946
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,002
−HK$1,073/mo
Today · 4.125%
HK$36,075
baseline
▲ 0.50% · 4.625%
HK$38,270
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,150/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,765
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,777
−HK$1,028/mo
Today · 4.125%
HK$39,805
baseline
▲ 0.50% · 4.625%
HK$41,903
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,610/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,645
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,003
−HK$1,379/mo
Today · 4.125%
HK$46,382
baseline
▲ 0.50% · 4.625%
HK$49,204
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,764/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,555
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,857
−HK$1,321/mo
Today · 4.125%
HK$51,178
baseline
▲ 0.50% · 4.625%
HK$53,875
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,356/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,758 · Scale 2, in force from 26 Feb 2026)