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$24,688
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$781/mo
Today · 4.125%
HK$26,237
baseline
▲ 0.50% · 4.625%
HK$27,833
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,474/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,466
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,202
−HK$747/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,475
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,898/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,626
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,548
−HK$936/mo
Today · 4.125%
HK$31,484
baseline
▲ 0.50% · 4.625%
HK$33,400
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,968/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,959
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,843
−HK$896/mo
Today · 4.125%
HK$34,739
baseline
▲ 0.50% · 4.625%
HK$36,571
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,478/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,564
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,639
−HK$1,092/mo
Today · 4.125%
HK$36,731
baseline
▲ 0.50% · 4.625%
HK$38,966
+HK$2,235/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,462/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,452
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,483
−HK$1,046/mo
Today · 4.125%
HK$40,529
baseline
▲ 0.50% · 4.625%
HK$42,666
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,058/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$406,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,439
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,821
−HK$1,405/mo
Today · 4.125%
HK$47,226
baseline
▲ 0.50% · 4.625%
HK$50,099
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,452/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,438
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,764
−HK$1,345/mo
Today · 4.125%
HK$52,109
baseline
▲ 0.50% · 4.625%
HK$54,856
+HK$2,747/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,218/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,014 · Scale 2, in force from 26 Feb 2026)