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$24,177
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,929
−HK$764/mo
Today · 4.125%
HK$25,693
baseline
▲ 0.50% · 4.625%
HK$27,257
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,386/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,897
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,618
−HK$732/mo
Today · 4.125%
HK$28,350
baseline
▲ 0.50% · 4.625%
HK$29,845
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,700/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,013
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,915
−HK$917/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,276
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,142
−HK$878/mo
Today · 4.125%
HK$34,020
baseline
▲ 0.50% · 4.625%
HK$35,814
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,040/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,848
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,901
−HK$1,070/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$38,160
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,656
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,666
−HK$1,024/mo
Today · 4.125%
HK$39,690
baseline
▲ 0.50% · 4.625%
HK$41,782
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,380/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,519
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,873
−HK$1,375/mo
Today · 4.125%
HK$46,248
baseline
▲ 0.50% · 4.625%
HK$49,062
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,496/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,415
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,713
−HK$1,317/mo
Today · 4.125%
HK$51,030
baseline
▲ 0.50% · 4.625%
HK$53,720
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,060/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,610 · Scale 2, in force from 26 Feb 2026)