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$24,465
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$773/mo
Today · 4.125%
HK$25,999
baseline
▲ 0.50% · 4.625%
HK$27,581
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,998/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,217
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,947
−HK$740/mo
Today · 4.125%
HK$28,687
baseline
▲ 0.50% · 4.625%
HK$30,199
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,374/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,358
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,271
−HK$928/mo
Today · 4.125%
HK$31,199
baseline
▲ 0.50% · 4.625%
HK$33,097
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,398/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,660
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,536
−HK$889/mo
Today · 4.125%
HK$34,425
baseline
▲ 0.50% · 4.625%
HK$36,239
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,850/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,251
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,316
−HK$1,083/mo
Today · 4.125%
HK$36,399
baseline
▲ 0.50% · 4.625%
HK$38,613
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,798/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,104
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,126
−HK$1,036/mo
Today · 4.125%
HK$40,162
baseline
▲ 0.50% · 4.625%
HK$42,279
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,324/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,037
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,407
−HK$1,391/mo
Today · 4.125%
HK$46,798
baseline
▲ 0.50% · 4.625%
HK$49,646
+HK$2,848/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,596/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,990
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,304
−HK$1,333/mo
Today · 4.125%
HK$51,637
baseline
▲ 0.50% · 4.625%
HK$54,359
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,274/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,338 · Scale 2, in force from 26 Feb 2026)