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$24,717
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$781/mo
Today · 4.125%
HK$26,267
baseline
▲ 0.50% · 4.625%
HK$27,865
+HK$1,598/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,534/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,497
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$748/mo
Today · 4.125%
HK$28,983
baseline
▲ 0.50% · 4.625%
HK$30,511
+HK$1,528/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,966/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$406,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,660
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,583
−HK$937/mo
Today · 4.125%
HK$31,520
baseline
▲ 0.50% · 4.625%
HK$33,438
+HK$1,918/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$63,040/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,997
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,882
−HK$897/mo
Today · 4.125%
HK$34,779
baseline
▲ 0.50% · 4.625%
HK$36,613
+HK$1,834/mo
Deposit HK$4.34M · loan HK$6.50M · min. income ≈ HK$69,558/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,604
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$1,094/mo
Today · 4.125%
HK$36,774
baseline
▲ 0.50% · 4.625%
HK$39,011
+HK$2,237/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$73,548/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,496
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,529
−HK$1,047/mo
Today · 4.125%
HK$40,576
baseline
▲ 0.50% · 4.625%
HK$42,715
+HK$2,139/mo
Deposit HK$3.25M · loan HK$7.59M · min. income ≈ HK$81,152/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,490
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,874
−HK$1,406/mo
Today · 4.125%
HK$47,280
baseline
▲ 0.50% · 4.625%
HK$50,157
+HK$2,877/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$94,560/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,495
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,822
−HK$1,347/mo
Today · 4.125%
HK$52,169
baseline
▲ 0.50% · 4.625%
HK$54,919
+HK$2,750/mo
Deposit HK$1.08M · loan HK$9.76M · min. income ≈ HK$104,338/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,482 · Scale 2, in force from 26 Feb 2026)