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$24,352
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$769/mo
Today · 4.125%
HK$25,879
baseline
▲ 0.50% · 4.625%
HK$27,454
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,758/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,091
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,818
−HK$737/mo
Today · 4.125%
HK$28,555
baseline
▲ 0.50% · 4.625%
HK$30,060
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,110/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,222
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,131
−HK$924/mo
Today · 4.125%
HK$31,055
baseline
▲ 0.50% · 4.625%
HK$32,945
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,110/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,510
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,382
−HK$884/mo
Today · 4.125%
HK$34,266
baseline
▲ 0.50% · 4.625%
HK$36,072
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,532/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,093
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,153
−HK$1,078/mo
Today · 4.125%
HK$36,231
baseline
▲ 0.50% · 4.625%
HK$38,435
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,462/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,928
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,945
−HK$1,032/mo
Today · 4.125%
HK$39,977
baseline
▲ 0.50% · 4.625%
HK$42,084
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,954/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,834
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,197
−HK$1,385/mo
Today · 4.125%
HK$46,582
baseline
▲ 0.50% · 4.625%
HK$49,417
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,164/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,765
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,072
−HK$1,327/mo
Today · 4.125%
HK$51,399
baseline
▲ 0.50% · 4.625%
HK$54,108
+HK$2,709/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,798/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,482 · Scale 2, in force from 26 Feb 2026)