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$24,855
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,628
−HK$786/mo
Today · 4.125%
HK$26,414
baseline
▲ 0.50% · 4.625%
HK$28,021
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,828/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,651
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,393
−HK$752/mo
Today · 4.125%
HK$29,145
baseline
▲ 0.50% · 4.625%
HK$30,681
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,290/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,826
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,754
−HK$942/mo
Today · 4.125%
HK$31,696
baseline
▲ 0.50% · 4.625%
HK$33,625
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,392/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,181
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,071
−HK$903/mo
Today · 4.125%
HK$34,974
baseline
▲ 0.50% · 4.625%
HK$36,817
+HK$1,843/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,948/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,797
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,879
−HK$1,100/mo
Today · 4.125%
HK$36,979
baseline
▲ 0.50% · 4.625%
HK$39,229
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,958/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,711
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,750
−HK$1,053/mo
Today · 4.125%
HK$40,803
baseline
▲ 0.50% · 4.625%
HK$42,954
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,606/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,739
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,131
−HK$1,414/mo
Today · 4.125%
HK$47,545
baseline
▲ 0.50% · 4.625%
HK$50,438
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,090/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,772
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,107
−HK$1,354/mo
Today · 4.125%
HK$52,461
baseline
▲ 0.50% · 4.625%
HK$55,226
+HK$2,765/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,922/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,755 · Scale 2, in force from 26 Feb 2026)