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$24,335
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,092
−HK$769/mo
Today · 4.125%
HK$25,861
baseline
▲ 0.50% · 4.625%
HK$27,435
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,722/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$736/mo
Today · 4.125%
HK$28,535
baseline
▲ 0.50% · 4.625%
HK$30,039
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,070/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,202
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,110
−HK$923/mo
Today · 4.125%
HK$31,033
baseline
▲ 0.50% · 4.625%
HK$32,922
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,066/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,487
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,358
−HK$884/mo
Today · 4.125%
HK$34,242
baseline
▲ 0.50% · 4.625%
HK$36,047
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,484/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,069
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,129
−HK$1,077/mo
Today · 4.125%
HK$36,206
baseline
▲ 0.50% · 4.625%
HK$38,409
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,412/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,902
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,918
−HK$1,031/mo
Today · 4.125%
HK$39,949
baseline
▲ 0.50% · 4.625%
HK$42,055
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,898/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,803
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,166
−HK$1,384/mo
Today · 4.125%
HK$46,550
baseline
▲ 0.50% · 4.625%
HK$49,382
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,100/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,731
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,037
−HK$1,326/mo
Today · 4.125%
HK$51,363
baseline
▲ 0.50% · 4.625%
HK$54,071
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,726/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,203 · Scale 2, in force from 26 Feb 2026)