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$24,197
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,949
−HK$765/mo
Today · 4.125%
HK$25,714
baseline
▲ 0.50% · 4.625%
HK$27,279
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,428/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,918
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,640
−HK$733/mo
Today · 4.125%
HK$28,373
baseline
▲ 0.50% · 4.625%
HK$29,868
+HK$1,495/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,746/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,036
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,939
−HK$918/mo
Today · 4.125%
HK$30,857
baseline
▲ 0.50% · 4.625%
HK$32,734
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,714/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,302
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,168
−HK$879/mo
Today · 4.125%
HK$34,047
baseline
▲ 0.50% · 4.625%
HK$35,842
+HK$1,795/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,094/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,875
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,929
−HK$1,070/mo
Today · 4.125%
HK$35,999
baseline
▲ 0.50% · 4.625%
HK$38,190
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,998/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,686
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,697
−HK$1,025/mo
Today · 4.125%
HK$39,722
baseline
▲ 0.50% · 4.625%
HK$41,816
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,444/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,554
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,909
−HK$1,376/mo
Today · 4.125%
HK$46,285
baseline
▲ 0.50% · 4.625%
HK$49,101
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,570/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,453
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,753
−HK$1,318/mo
Today · 4.125%
HK$51,071
baseline
▲ 0.50% · 4.625%
HK$53,763
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,142/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,926 · Scale 2, in force from 26 Feb 2026)