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$24,684
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,452
−HK$780/mo
Today · 4.125%
HK$26,232
baseline
▲ 0.50% · 4.625%
HK$27,828
+HK$1,596/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$52,464/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,461
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,197
−HK$747/mo
Today · 4.125%
HK$28,944
baseline
▲ 0.50% · 4.625%
HK$30,470
+HK$1,526/mo
Deposit HK$5.41M · loan HK$5.41M · min. income ≈ HK$57,888/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$405,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,621
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,542
−HK$936/mo
Today · 4.125%
HK$31,478
baseline
▲ 0.50% · 4.625%
HK$33,394
+HK$1,916/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$62,956/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,953
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,836
−HK$897/mo
Today · 4.125%
HK$34,733
baseline
▲ 0.50% · 4.625%
HK$36,564
+HK$1,831/mo
Deposit HK$4.33M · loan HK$6.50M · min. income ≈ HK$69,466/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$405,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,557
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,632
−HK$1,093/mo
Today · 4.125%
HK$36,725
baseline
▲ 0.50% · 4.625%
HK$38,959
+HK$2,234/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$73,450/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,445
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,476
−HK$1,046/mo
Today · 4.125%
HK$40,522
baseline
▲ 0.50% · 4.625%
HK$42,658
+HK$2,136/mo
Deposit HK$3.25M · loan HK$7.58M · min. income ≈ HK$81,044/mo (50% DSR)
Upfront cash ≈ HK$3.65M (deposit + AVD stamp duty HK$405,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,431
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,813
−HK$1,404/mo
Today · 4.125%
HK$47,217
baseline
▲ 0.50% · 4.625%
HK$50,090
+HK$2,873/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$94,434/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,429
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,755
−HK$1,345/mo
Today · 4.125%
HK$52,100
baseline
▲ 0.50% · 4.625%
HK$54,846
+HK$2,746/mo
Deposit HK$1.08M · loan HK$9.74M · min. income ≈ HK$104,200/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$405,940 · Scale 2, in force from 26 Feb 2026)