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$24,383
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,141
−HK$771/mo
Today · 4.125%
HK$25,912
baseline
▲ 0.50% · 4.625%
HK$27,489
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,824/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,126
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,853
−HK$738/mo
Today · 4.125%
HK$28,591
baseline
▲ 0.50% · 4.625%
HK$30,098
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,182/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,260
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,170
−HK$924/mo
Today · 4.125%
HK$31,094
baseline
▲ 0.50% · 4.625%
HK$32,986
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,188/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,551
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,424
−HK$886/mo
Today · 4.125%
HK$34,310
baseline
▲ 0.50% · 4.625%
HK$36,118
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,620/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,136
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,198
−HK$1,079/mo
Today · 4.125%
HK$36,277
baseline
▲ 0.50% · 4.625%
HK$38,484
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,554/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,976
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,995
−HK$1,033/mo
Today · 4.125%
HK$40,028
baseline
▲ 0.50% · 4.625%
HK$42,138
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,056/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,889
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,255
−HK$1,387/mo
Today · 4.125%
HK$46,642
baseline
▲ 0.50% · 4.625%
HK$49,480
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,284/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,827
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,136
−HK$1,328/mo
Today · 4.125%
HK$51,464
baseline
▲ 0.50% · 4.625%
HK$54,177
+HK$2,713/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,928/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,992 · Scale 2, in force from 26 Feb 2026)