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$24,879
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,653
−HK$786/mo
Today · 4.125%
HK$26,439
baseline
▲ 0.50% · 4.625%
HK$28,048
+HK$1,609/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$52,878/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,678
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,420
−HK$753/mo
Today · 4.125%
HK$29,173
baseline
▲ 0.50% · 4.625%
HK$30,711
+HK$1,538/mo
Deposit HK$5.46M · loan HK$5.46M · min. income ≈ HK$58,346/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,855
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,784
−HK$943/mo
Today · 4.125%
HK$31,727
baseline
▲ 0.50% · 4.625%
HK$33,658
+HK$1,931/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$63,454/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,213
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$904/mo
Today · 4.125%
HK$35,008
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.55M · min. income ≈ HK$70,016/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,831
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,914
−HK$1,101/mo
Today · 4.125%
HK$37,015
baseline
▲ 0.50% · 4.625%
HK$39,267
+HK$2,252/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$74,030/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,749
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,788
−HK$1,054/mo
Today · 4.125%
HK$40,842
baseline
▲ 0.50% · 4.625%
HK$42,995
+HK$2,153/mo
Deposit HK$3.27M · loan HK$7.64M · min. income ≈ HK$81,684/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,782
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,175
−HK$1,416/mo
Today · 4.125%
HK$47,591
baseline
▲ 0.50% · 4.625%
HK$50,487
+HK$2,896/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,182/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,820
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,156
−HK$1,356/mo
Today · 4.125%
HK$52,512
baseline
▲ 0.50% · 4.625%
HK$55,280
+HK$2,768/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$105,024/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,151 · Scale 2, in force from 26 Feb 2026)