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$24,871
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$25,644
−HK$786/mo
Today · 4.125%
HK$26,430
baseline
▲ 0.50% · 4.625%
HK$28,039
+HK$1,609/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,860/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,669
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,411
−HK$752/mo
Today · 4.125%
HK$29,163
baseline
▲ 0.50% · 4.625%
HK$30,701
+HK$1,538/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,326/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$409,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,845
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,773
−HK$944/mo
Today · 4.125%
HK$31,717
baseline
▲ 0.50% · 4.625%
HK$33,646
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,434/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,202
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,093
−HK$903/mo
Today · 4.125%
HK$34,996
baseline
▲ 0.50% · 4.625%
HK$36,841
+HK$1,845/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,992/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$409,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,819
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,902
−HK$1,101/mo
Today · 4.125%
HK$37,003
baseline
▲ 0.50% · 4.625%
HK$39,254
+HK$2,251/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$74,006/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,736
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,775
−HK$1,054/mo
Today · 4.125%
HK$40,829
baseline
▲ 0.50% · 4.625%
HK$42,981
+HK$2,152/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,658/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$409,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,767
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,160
−HK$1,415/mo
Today · 4.125%
HK$47,575
baseline
▲ 0.50% · 4.625%
HK$50,470
+HK$2,895/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$95,150/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,803
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,139
−HK$1,355/mo
Today · 4.125%
HK$52,494
baseline
▲ 0.50% · 4.625%
HK$55,261
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.82M · min. income ≈ HK$104,988/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$409,014 · Scale 2, in force from 26 Feb 2026)