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$24,707
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,475
−HK$781/mo
Today · 4.125%
HK$26,256
baseline
▲ 0.50% · 4.625%
HK$27,854
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,512/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,486
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,223
−HK$748/mo
Today · 4.125%
HK$28,971
baseline
▲ 0.50% · 4.625%
HK$30,498
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,942/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,648
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,570
−HK$937/mo
Today · 4.125%
HK$31,507
baseline
▲ 0.50% · 4.625%
HK$33,424
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,014/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,983
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,868
−HK$897/mo
Today · 4.125%
HK$34,765
baseline
▲ 0.50% · 4.625%
HK$36,598
+HK$1,833/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,530/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,589
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,665
−HK$1,093/mo
Today · 4.125%
HK$36,758
baseline
▲ 0.50% · 4.625%
HK$38,995
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,516/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,480
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,512
−HK$1,047/mo
Today · 4.125%
HK$40,559
baseline
▲ 0.50% · 4.625%
HK$42,697
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,118/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,472
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,855
−HK$1,406/mo
Today · 4.125%
HK$47,261
baseline
▲ 0.50% · 4.625%
HK$50,137
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,522/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,475
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,802
−HK$1,346/mo
Today · 4.125%
HK$52,148
baseline
▲ 0.50% · 4.625%
HK$54,896
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,296/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,315 · Scale 2, in force from 26 Feb 2026)