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$24,696
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,464
−HK$781/mo
Today · 4.125%
HK$26,245
baseline
▲ 0.50% · 4.625%
HK$27,841
+HK$1,596/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,490/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,474
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,211
−HK$747/mo
Today · 4.125%
HK$28,958
baseline
▲ 0.50% · 4.625%
HK$30,485
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,916/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,635
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,557
−HK$936/mo
Today · 4.125%
HK$31,493
baseline
▲ 0.50% · 4.625%
HK$33,410
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,986/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,969
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,853
−HK$897/mo
Today · 4.125%
HK$34,750
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,500/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,574
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,650
−HK$1,092/mo
Today · 4.125%
HK$36,742
baseline
▲ 0.50% · 4.625%
HK$38,978
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,484/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,463
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,495
−HK$1,047/mo
Today · 4.125%
HK$40,542
baseline
▲ 0.50% · 4.625%
HK$42,679
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,084/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,453
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,835
−HK$1,405/mo
Today · 4.125%
HK$47,240
baseline
▲ 0.50% · 4.625%
HK$50,115
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,480/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,453
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,779
−HK$1,346/mo
Today · 4.125%
HK$52,125
baseline
▲ 0.50% · 4.625%
HK$54,872
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,250/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,137 · Scale 2, in force from 26 Feb 2026)