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$24,237
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,991
−HK$766/mo
Today · 4.125%
HK$25,757
baseline
▲ 0.50% · 4.625%
HK$27,324
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,514/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,963
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$733/mo
Today · 4.125%
HK$28,420
baseline
▲ 0.50% · 4.625%
HK$29,918
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,840/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,084
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,989
−HK$919/mo
Today · 4.125%
HK$30,908
baseline
▲ 0.50% · 4.625%
HK$32,789
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,816/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,356
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,224
−HK$880/mo
Today · 4.125%
HK$34,104
baseline
▲ 0.50% · 4.625%
HK$35,902
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,208/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,932
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,987
−HK$1,073/mo
Today · 4.125%
HK$36,060
baseline
▲ 0.50% · 4.625%
HK$38,254
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,120/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,749
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,761
−HK$1,027/mo
Today · 4.125%
HK$39,788
baseline
▲ 0.50% · 4.625%
HK$41,885
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,576/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,627
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,984
−HK$1,378/mo
Today · 4.125%
HK$46,362
baseline
▲ 0.50% · 4.625%
HK$49,183
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,724/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,534
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,836
−HK$1,320/mo
Today · 4.125%
HK$51,156
baseline
▲ 0.50% · 4.625%
HK$53,853
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,312/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,590 · Scale 2, in force from 26 Feb 2026)