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$24,152
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,904
−HK$763/mo
Today · 4.125%
HK$25,667
baseline
▲ 0.50% · 4.625%
HK$27,229
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,334/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,869
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,590
−HK$731/mo
Today · 4.125%
HK$28,321
baseline
▲ 0.50% · 4.625%
HK$29,814
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,642/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,983
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,885
−HK$915/mo
Today · 4.125%
HK$30,800
baseline
▲ 0.50% · 4.625%
HK$32,675
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,600/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,243
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,108
−HK$877/mo
Today · 4.125%
HK$33,985
baseline
▲ 0.50% · 4.625%
HK$35,777
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,970/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,813
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,865
−HK$1,069/mo
Today · 4.125%
HK$35,934
baseline
▲ 0.50% · 4.625%
HK$38,120
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,868/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,617
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,626
−HK$1,023/mo
Today · 4.125%
HK$39,649
baseline
▲ 0.50% · 4.625%
HK$41,739
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,298/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,474
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,827
−HK$1,374/mo
Today · 4.125%
HK$46,201
baseline
▲ 0.50% · 4.625%
HK$49,012
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,402/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,365
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,662
−HK$1,316/mo
Today · 4.125%
HK$50,978
baseline
▲ 0.50% · 4.625%
HK$53,665
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,956/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,201 · Scale 2, in force from 26 Feb 2026)