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$24,325
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,082
−HK$768/mo
Today · 4.125%
HK$25,850
baseline
▲ 0.50% · 4.625%
HK$27,423
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,700/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,061
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,787
−HK$736/mo
Today · 4.125%
HK$28,523
baseline
▲ 0.50% · 4.625%
HK$30,027
+HK$1,504/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,046/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,190
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,098
−HK$922/mo
Today · 4.125%
HK$31,020
baseline
▲ 0.50% · 4.625%
HK$32,908
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,040/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,473
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,344
−HK$884/mo
Today · 4.125%
HK$34,228
baseline
▲ 0.50% · 4.625%
HK$36,032
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,456/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,055
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,114
−HK$1,076/mo
Today · 4.125%
HK$36,190
baseline
▲ 0.50% · 4.625%
HK$38,392
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,380/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,886
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,902
−HK$1,031/mo
Today · 4.125%
HK$39,933
baseline
▲ 0.50% · 4.625%
HK$42,037
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,866/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,785
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,147
−HK$1,384/mo
Today · 4.125%
HK$46,531
baseline
▲ 0.50% · 4.625%
HK$49,362
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,062/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,710
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,017
−HK$1,325/mo
Today · 4.125%
HK$51,342
baseline
▲ 0.50% · 4.625%
HK$54,048
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,684/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,036 · Scale 2, in force from 26 Feb 2026)