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$24,456
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,217
−HK$773/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,571
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,980/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,207
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,937
−HK$740/mo
Today · 4.125%
HK$28,677
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,354/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,347
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,260
−HK$928/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$33,085
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,649
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,524
−HK$888/mo
Today · 4.125%
HK$34,412
baseline
▲ 0.50% · 4.625%
HK$36,226
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,824/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,238
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,303
−HK$1,083/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,090
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,111
−HK$1,037/mo
Today · 4.125%
HK$40,148
baseline
▲ 0.50% · 4.625%
HK$42,264
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,296/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,021
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,390
−HK$1,391/mo
Today · 4.125%
HK$46,781
baseline
▲ 0.50% · 4.625%
HK$49,628
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,562/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,973
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,286
−HK$1,333/mo
Today · 4.125%
HK$51,619
baseline
▲ 0.50% · 4.625%
HK$54,340
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,238/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,193 · Scale 2, in force from 26 Feb 2026)