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$24,460
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,221
−HK$773/mo
Today · 4.125%
HK$25,994
baseline
▲ 0.50% · 4.625%
HK$27,575
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,988/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,211
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$740/mo
Today · 4.125%
HK$28,681
baseline
▲ 0.50% · 4.625%
HK$30,193
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,362/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,352
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,265
−HK$927/mo
Today · 4.125%
HK$31,192
baseline
▲ 0.50% · 4.625%
HK$33,090
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,384/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,653
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$889/mo
Today · 4.125%
HK$34,418
baseline
▲ 0.50% · 4.625%
HK$36,232
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,836/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,244
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,309
−HK$1,082/mo
Today · 4.125%
HK$36,391
baseline
▲ 0.50% · 4.625%
HK$38,605
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,782/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,096
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,037/mo
Today · 4.125%
HK$40,154
baseline
▲ 0.50% · 4.625%
HK$42,270
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,308/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,027
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,397
−HK$1,391/mo
Today · 4.125%
HK$46,788
baseline
▲ 0.50% · 4.625%
HK$49,635
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,576/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,980
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,294
−HK$1,332/mo
Today · 4.125%
HK$51,626
baseline
▲ 0.50% · 4.625%
HK$54,348
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,252/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,253 · Scale 2, in force from 26 Feb 2026)