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$24,321
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,078
−HK$768/mo
Today · 4.125%
HK$25,846
baseline
▲ 0.50% · 4.625%
HK$27,419
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,692/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,057
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,783
−HK$736/mo
Today · 4.125%
HK$28,519
baseline
▲ 0.50% · 4.625%
HK$30,022
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,038/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,185
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,093
−HK$922/mo
Today · 4.125%
HK$31,015
baseline
▲ 0.50% · 4.625%
HK$32,903
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,030/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,468
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,339
−HK$883/mo
Today · 4.125%
HK$34,222
baseline
▲ 0.50% · 4.625%
HK$36,026
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,444/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,049
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$1,076/mo
Today · 4.125%
HK$36,185
baseline
▲ 0.50% · 4.625%
HK$38,386
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,370/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,880
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,896
−HK$1,030/mo
Today · 4.125%
HK$39,926
baseline
▲ 0.50% · 4.625%
HK$42,031
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,852/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,778
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,140
−HK$1,383/mo
Today · 4.125%
HK$46,523
baseline
▲ 0.50% · 4.625%
HK$49,354
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,046/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,702
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,009
−HK$1,325/mo
Today · 4.125%
HK$51,334
baseline
▲ 0.50% · 4.625%
HK$54,039
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,668/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,972 · Scale 2, in force from 26 Feb 2026)