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$24,709
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,478
−HK$781/mo
Today · 4.125%
HK$26,259
baseline
▲ 0.50% · 4.625%
HK$27,857
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,518/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,489
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,226
−HK$748/mo
Today · 4.125%
HK$28,974
baseline
▲ 0.50% · 4.625%
HK$30,501
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,948/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,651
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,574
−HK$937/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,428
+HK$1,917/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,987
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,871
−HK$898/mo
Today · 4.125%
HK$34,769
baseline
▲ 0.50% · 4.625%
HK$36,602
+HK$1,833/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,538/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,593
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,669
−HK$1,093/mo
Today · 4.125%
HK$36,762
baseline
▲ 0.50% · 4.625%
HK$38,999
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,524/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,485
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,517
−HK$1,047/mo
Today · 4.125%
HK$40,564
baseline
▲ 0.50% · 4.625%
HK$42,702
+HK$2,138/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,128/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,477
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,860
−HK$1,406/mo
Today · 4.125%
HK$47,266
baseline
▲ 0.50% · 4.625%
HK$50,142
+HK$2,876/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,532/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,480
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,807
−HK$1,346/mo
Today · 4.125%
HK$52,153
baseline
▲ 0.50% · 4.625%
HK$54,902
+HK$2,749/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,306/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,359 · Scale 2, in force from 26 Feb 2026)