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$25,123
−HK$1,575/mo
▼ 0.25% · 3.875%
HK$25,904
−HK$794/mo
Today · 4.125%
HK$26,698
baseline
▲ 0.50% · 4.625%
HK$28,323
+HK$1,625/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$53,396/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,949
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$28,698
−HK$761/mo
Today · 4.125%
HK$29,459
baseline
▲ 0.50% · 4.625%
HK$31,012
+HK$1,553/mo
Deposit HK$5.51M · loan HK$5.51M · min. income ≈ HK$58,918/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$413,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,147
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,085
−HK$953/mo
Today · 4.125%
HK$32,038
baseline
▲ 0.50% · 4.625%
HK$33,987
+HK$1,949/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$64,076/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,539
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$913/mo
Today · 4.125%
HK$35,351
baseline
▲ 0.50% · 4.625%
HK$37,214
+HK$1,863/mo
Deposit HK$4.41M · loan HK$6.61M · min. income ≈ HK$70,702/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$413,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,172
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$36,266
−HK$1,111/mo
Today · 4.125%
HK$37,377
baseline
▲ 0.50% · 4.625%
HK$39,652
+HK$2,275/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$74,754/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,128
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$40,178
−HK$1,064/mo
Today · 4.125%
HK$41,242
baseline
▲ 0.50% · 4.625%
HK$43,416
+HK$2,174/mo
Deposit HK$3.31M · loan HK$7.71M · min. income ≈ HK$82,484/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$413,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,221
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,628
−HK$1,429/mo
Today · 4.125%
HK$48,057
baseline
▲ 0.50% · 4.625%
HK$50,981
+HK$2,924/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$96,114/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,308
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,657
−HK$1,369/mo
Today · 4.125%
HK$53,026
baseline
▲ 0.50% · 4.625%
HK$55,821
+HK$2,795/mo
Deposit HK$1.10M · loan HK$9.92M · min. income ≈ HK$106,052/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$413,157 · Scale 2, in force from 26 Feb 2026)