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$24,388
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,146
−HK$771/mo
Today · 4.125%
HK$25,917
baseline
▲ 0.50% · 4.625%
HK$27,494
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,834/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,131
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,859
−HK$738/mo
Today · 4.125%
HK$28,597
baseline
▲ 0.50% · 4.625%
HK$30,104
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,194/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,265
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$925/mo
Today · 4.125%
HK$31,101
baseline
▲ 0.50% · 4.625%
HK$32,993
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,202/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,557
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,431
−HK$885/mo
Today · 4.125%
HK$34,316
baseline
▲ 0.50% · 4.625%
HK$36,125
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,632/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,143
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,205
−HK$1,079/mo
Today · 4.125%
HK$36,284
baseline
▲ 0.50% · 4.625%
HK$38,492
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,568/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,984
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,002
−HK$1,034/mo
Today · 4.125%
HK$40,036
baseline
▲ 0.50% · 4.625%
HK$42,146
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,072/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,898
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,264
−HK$1,387/mo
Today · 4.125%
HK$46,651
baseline
▲ 0.50% · 4.625%
HK$49,489
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,302/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,836
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,146
−HK$1,329/mo
Today · 4.125%
HK$51,475
baseline
▲ 0.50% · 4.625%
HK$54,188
+HK$2,713/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,950/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,071 · Scale 2, in force from 26 Feb 2026)