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$24,435
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,195
−HK$773/mo
Today · 4.125%
HK$25,968
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,936/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,184
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,913
−HK$740/mo
Today · 4.125%
HK$28,653
baseline
▲ 0.50% · 4.625%
HK$30,163
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,306/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,322
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,234
−HK$927/mo
Today · 4.125%
HK$31,161
baseline
▲ 0.50% · 4.625%
HK$33,057
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,322/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,621
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,496
−HK$887/mo
Today · 4.125%
HK$34,383
baseline
▲ 0.50% · 4.625%
HK$36,196
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,766/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,209
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,273
−HK$1,082/mo
Today · 4.125%
HK$36,355
baseline
▲ 0.50% · 4.625%
HK$38,567
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,710/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,058
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,078
−HK$1,036/mo
Today · 4.125%
HK$40,114
baseline
▲ 0.50% · 4.625%
HK$42,228
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,228/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,983
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,352
−HK$1,390/mo
Today · 4.125%
HK$46,742
baseline
▲ 0.50% · 4.625%
HK$49,586
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,484/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,931
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,243
−HK$1,332/mo
Today · 4.125%
HK$51,575
baseline
▲ 0.50% · 4.625%
HK$54,293
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,150/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,851 · Scale 2, in force from 26 Feb 2026)