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$24,619
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,385
−HK$778/mo
Today · 4.125%
HK$26,163
baseline
▲ 0.50% · 4.625%
HK$27,755
+HK$1,592/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,326/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,388
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$28,123
−HK$745/mo
Today · 4.125%
HK$28,868
baseline
▲ 0.50% · 4.625%
HK$30,390
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,736/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$404,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,543
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,462
−HK$933/mo
Today · 4.125%
HK$31,395
baseline
▲ 0.50% · 4.625%
HK$33,306
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,790/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,866
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,748
−HK$894/mo
Today · 4.125%
HK$34,642
baseline
▲ 0.50% · 4.625%
HK$36,468
+HK$1,826/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,284/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$404,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,467
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,539
−HK$1,089/mo
Today · 4.125%
HK$36,628
baseline
▲ 0.50% · 4.625%
HK$38,857
+HK$2,229/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,256/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,344
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,372
−HK$1,043/mo
Today · 4.125%
HK$40,415
baseline
▲ 0.50% · 4.625%
HK$42,546
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,830/mo (50% DSR)
Upfront cash ≈ HK$3.64M (deposit + AVD stamp duty HK$404,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,314
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,693
−HK$1,400/mo
Today · 4.125%
HK$47,093
baseline
▲ 0.50% · 4.625%
HK$49,959
+HK$2,866/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,186/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,299
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,621
−HK$1,342/mo
Today · 4.125%
HK$51,963
baseline
▲ 0.50% · 4.625%
HK$54,702
+HK$2,739/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,926/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$404,873 · Scale 2, in force from 26 Feb 2026)