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$24,334
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,091
−HK$769/mo
Today · 4.125%
HK$25,860
baseline
▲ 0.50% · 4.625%
HK$27,433
+HK$1,573/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,720/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,071
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,797
−HK$737/mo
Today · 4.125%
HK$28,534
baseline
▲ 0.50% · 4.625%
HK$30,038
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,068/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,201
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,109
−HK$923/mo
Today · 4.125%
HK$31,032
baseline
▲ 0.50% · 4.625%
HK$32,920
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,064/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,486
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,357
−HK$884/mo
Today · 4.125%
HK$34,241
baseline
▲ 0.50% · 4.625%
HK$36,046
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,482/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,068
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,127
−HK$1,077/mo
Today · 4.125%
HK$36,204
baseline
▲ 0.50% · 4.625%
HK$38,407
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,408/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,900
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,916
−HK$1,031/mo
Today · 4.125%
HK$39,947
baseline
▲ 0.50% · 4.625%
HK$42,053
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,894/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,801
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,164
−HK$1,384/mo
Today · 4.125%
HK$46,548
baseline
▲ 0.50% · 4.625%
HK$49,380
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,096/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,728
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,035
−HK$1,326/mo
Today · 4.125%
HK$51,361
baseline
▲ 0.50% · 4.625%
HK$54,068
+HK$2,707/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,722/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,185 · Scale 2, in force from 26 Feb 2026)