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$24,339
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,096
−HK$769/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,439
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,077
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,803
−HK$737/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,044
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,207
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,116
−HK$923/mo
Today · 4.125%
HK$31,039
baseline
▲ 0.50% · 4.625%
HK$32,927
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,078/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,493
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,364
−HK$884/mo
Today · 4.125%
HK$34,248
baseline
▲ 0.50% · 4.625%
HK$36,053
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,496/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,075
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,135
−HK$1,077/mo
Today · 4.125%
HK$36,212
baseline
▲ 0.50% · 4.625%
HK$38,415
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,424/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,908
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,925
−HK$1,031/mo
Today · 4.125%
HK$39,956
baseline
▲ 0.50% · 4.625%
HK$42,062
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,912/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,811
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,173
−HK$1,385/mo
Today · 4.125%
HK$46,558
baseline
▲ 0.50% · 4.625%
HK$49,391
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,116/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,739
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,046
−HK$1,326/mo
Today · 4.125%
HK$51,372
baseline
▲ 0.50% · 4.625%
HK$54,080
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,744/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,271 · Scale 2, in force from 26 Feb 2026)