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$24,628
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$25,394
−HK$778/mo
Today · 4.125%
HK$26,172
baseline
▲ 0.50% · 4.625%
HK$27,765
+HK$1,593/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$52,344/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,398
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,133
−HK$746/mo
Today · 4.125%
HK$28,879
baseline
▲ 0.50% · 4.625%
HK$30,401
+HK$1,522/mo
Deposit HK$5.40M · loan HK$5.40M · min. income ≈ HK$57,758/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$405,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,554
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,473
−HK$934/mo
Today · 4.125%
HK$31,407
baseline
▲ 0.50% · 4.625%
HK$33,318
+HK$1,911/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$62,814/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,878
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$894/mo
Today · 4.125%
HK$34,654
baseline
▲ 0.50% · 4.625%
HK$36,481
+HK$1,827/mo
Deposit HK$4.32M · loan HK$6.48M · min. income ≈ HK$69,308/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$405,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,479
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,552
−HK$1,089/mo
Today · 4.125%
HK$36,641
baseline
▲ 0.50% · 4.625%
HK$38,871
+HK$2,230/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$73,282/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,358
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,386
−HK$1,044/mo
Today · 4.125%
HK$40,430
baseline
▲ 0.50% · 4.625%
HK$42,561
+HK$2,131/mo
Deposit HK$3.24M · loan HK$7.56M · min. income ≈ HK$80,860/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,330
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,709
−HK$1,401/mo
Today · 4.125%
HK$47,110
baseline
▲ 0.50% · 4.625%
HK$49,977
+HK$2,867/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$94,220/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,317
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,640
−HK$1,341/mo
Today · 4.125%
HK$51,981
baseline
▲ 0.50% · 4.625%
HK$54,722
+HK$2,741/mo
Deposit HK$1.08M · loan HK$9.72M · min. income ≈ HK$103,962/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,020 · Scale 2, in force from 26 Feb 2026)