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$24,725
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,494
−HK$781/mo
Today · 4.125%
HK$26,275
baseline
▲ 0.50% · 4.625%
HK$27,874
+HK$1,599/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,550/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,506
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,244
−HK$748/mo
Today · 4.125%
HK$28,992
baseline
▲ 0.50% · 4.625%
HK$30,520
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,984/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,669
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,592
−HK$938/mo
Today · 4.125%
HK$31,530
baseline
▲ 0.50% · 4.625%
HK$33,449
+HK$1,919/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$63,060/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,007
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,892
−HK$898/mo
Today · 4.125%
HK$34,790
baseline
▲ 0.50% · 4.625%
HK$36,624
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.51M · min. income ≈ HK$69,580/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,614
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,691
−HK$1,094/mo
Today · 4.125%
HK$36,785
baseline
▲ 0.50% · 4.625%
HK$39,023
+HK$2,238/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,570/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,508
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,541
−HK$1,048/mo
Today · 4.125%
HK$40,589
baseline
▲ 0.50% · 4.625%
HK$42,728
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,178/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,504
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,889
−HK$1,406/mo
Today · 4.125%
HK$47,295
baseline
▲ 0.50% · 4.625%
HK$50,173
+HK$2,878/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,590/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,511
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,838
−HK$1,347/mo
Today · 4.125%
HK$52,185
baseline
▲ 0.50% · 4.625%
HK$54,936
+HK$2,751/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,370/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,609 · Scale 2, in force from 26 Feb 2026)