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$24,374
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,133
−HK$770/mo
Today · 4.125%
HK$25,903
baseline
▲ 0.50% · 4.625%
HK$27,479
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,806/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,116
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,844
−HK$737/mo
Today · 4.125%
HK$28,581
baseline
▲ 0.50% · 4.625%
HK$30,088
+HK$1,507/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,162/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,249
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,159
−HK$925/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,975
+HK$1,891/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,540
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,412
−HK$886/mo
Today · 4.125%
HK$34,298
baseline
▲ 0.50% · 4.625%
HK$36,106
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,596/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,124
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,186
−HK$1,078/mo
Today · 4.125%
HK$36,264
baseline
▲ 0.50% · 4.625%
HK$38,471
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,528/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,963
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,981
−HK$1,033/mo
Today · 4.125%
HK$40,014
baseline
▲ 0.50% · 4.625%
HK$42,123
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,028/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,874
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,239
−HK$1,386/mo
Today · 4.125%
HK$46,625
baseline
▲ 0.50% · 4.625%
HK$49,462
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,250/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,809
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,119
−HK$1,327/mo
Today · 4.125%
HK$51,446
baseline
▲ 0.50% · 4.625%
HK$54,158
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,892/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,852 · Scale 2, in force from 26 Feb 2026)