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$24,432
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,192
−HK$772/mo
Today · 4.125%
HK$25,964
baseline
▲ 0.50% · 4.625%
HK$27,544
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,928/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,181
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$740/mo
Today · 4.125%
HK$28,649
baseline
▲ 0.50% · 4.625%
HK$30,159
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,298/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,319
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,231
−HK$926/mo
Today · 4.125%
HK$31,157
baseline
▲ 0.50% · 4.625%
HK$33,053
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,314/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,617
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$888/mo
Today · 4.125%
HK$34,379
baseline
▲ 0.50% · 4.625%
HK$36,191
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,758/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,205
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,269
−HK$1,081/mo
Today · 4.125%
HK$36,350
baseline
▲ 0.50% · 4.625%
HK$38,562
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,700/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,053
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,036/mo
Today · 4.125%
HK$40,109
baseline
▲ 0.50% · 4.625%
HK$42,223
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,218/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,978
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,346
−HK$1,390/mo
Today · 4.125%
HK$46,736
baseline
▲ 0.50% · 4.625%
HK$49,579
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,472/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,925
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,237
−HK$1,331/mo
Today · 4.125%
HK$51,568
baseline
▲ 0.50% · 4.625%
HK$54,286
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,136/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,800 · Scale 2, in force from 26 Feb 2026)