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$24,178
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,930
−HK$764/mo
Today · 4.125%
HK$25,694
baseline
▲ 0.50% · 4.625%
HK$27,258
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,388/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,898
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$732/mo
Today · 4.125%
HK$28,351
baseline
▲ 0.50% · 4.625%
HK$29,846
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,702/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,014
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$917/mo
Today · 4.125%
HK$30,833
baseline
▲ 0.50% · 4.625%
HK$32,709
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,666/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,278
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,143
−HK$879/mo
Today · 4.125%
HK$34,022
baseline
▲ 0.50% · 4.625%
HK$35,815
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,044/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,850
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,902
−HK$1,070/mo
Today · 4.125%
HK$35,972
baseline
▲ 0.50% · 4.625%
HK$38,161
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,944/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,657
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,667
−HK$1,025/mo
Today · 4.125%
HK$39,692
baseline
▲ 0.50% · 4.625%
HK$41,784
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,384/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,521
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,875
−HK$1,375/mo
Today · 4.125%
HK$46,250
baseline
▲ 0.50% · 4.625%
HK$49,064
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,500/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,417
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,715
−HK$1,317/mo
Today · 4.125%
HK$51,032
baseline
▲ 0.50% · 4.625%
HK$53,722
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,064/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,624 · Scale 2, in force from 26 Feb 2026)