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$24,697
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,465
−HK$781/mo
Today · 4.125%
HK$26,246
baseline
▲ 0.50% · 4.625%
HK$27,843
+HK$1,597/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$52,492/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,475
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,212
−HK$747/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,486
+HK$1,527/mo
Deposit HK$5.42M · loan HK$5.42M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$406,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,636
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,558
−HK$937/mo
Today · 4.125%
HK$31,495
baseline
▲ 0.50% · 4.625%
HK$33,411
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,990/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,970
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$897/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,583
+HK$1,832/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$406,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,576
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,651
−HK$1,093/mo
Today · 4.125%
HK$36,744
baseline
▲ 0.50% · 4.625%
HK$38,980
+HK$2,236/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,488/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,465
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,497
−HK$1,046/mo
Today · 4.125%
HK$40,543
baseline
▲ 0.50% · 4.625%
HK$42,680
+HK$2,137/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,086/mo (50% DSR)
Upfront cash ≈ HK$3.66M (deposit + AVD stamp duty HK$406,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,454
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,837
−HK$1,405/mo
Today · 4.125%
HK$47,242
baseline
▲ 0.50% · 4.625%
HK$50,117
+HK$2,875/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$94,484/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,455
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,781
−HK$1,346/mo
Today · 4.125%
HK$52,127
baseline
▲ 0.50% · 4.625%
HK$54,875
+HK$2,748/mo
Deposit HK$1.08M · loan HK$9.75M · min. income ≈ HK$104,254/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$406,153 · Scale 2, in force from 26 Feb 2026)