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$24,407
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,167
−HK$771/mo
Today · 4.125%
HK$25,938
baseline
▲ 0.50% · 4.625%
HK$27,516
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,876/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,153
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,881
−HK$739/mo
Today · 4.125%
HK$28,620
baseline
▲ 0.50% · 4.625%
HK$30,129
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,240/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,289
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,200
−HK$926/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$33,020
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,584
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,458
−HK$886/mo
Today · 4.125%
HK$34,344
baseline
▲ 0.50% · 4.625%
HK$36,154
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,688/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,170
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,233
−HK$1,080/mo
Today · 4.125%
HK$36,313
baseline
▲ 0.50% · 4.625%
HK$38,523
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,626/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,014
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,034
−HK$1,034/mo
Today · 4.125%
HK$40,068
baseline
▲ 0.50% · 4.625%
HK$42,180
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,136/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,933
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,300
−HK$1,388/mo
Today · 4.125%
HK$46,688
baseline
▲ 0.50% · 4.625%
HK$49,529
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,376/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,875
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,186
−HK$1,330/mo
Today · 4.125%
HK$51,516
baseline
▲ 0.50% · 4.625%
HK$54,232
+HK$2,716/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,032/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,393 · Scale 2, in force from 26 Feb 2026)