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$24,857
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,630
−HK$785/mo
Today · 4.125%
HK$26,415
baseline
▲ 0.50% · 4.625%
HK$28,023
+HK$1,608/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,830/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,653
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,394
−HK$753/mo
Today · 4.125%
HK$29,147
baseline
▲ 0.50% · 4.625%
HK$30,683
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,294/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,828
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,756
−HK$943/mo
Today · 4.125%
HK$31,699
baseline
▲ 0.50% · 4.625%
HK$33,627
+HK$1,928/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,398/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,183
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,073
−HK$903/mo
Today · 4.125%
HK$34,976
baseline
▲ 0.50% · 4.625%
HK$36,820
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,952/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,799
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,882
−HK$1,100/mo
Today · 4.125%
HK$36,982
baseline
▲ 0.50% · 4.625%
HK$39,232
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,964/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,714
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,752
−HK$1,054/mo
Today · 4.125%
HK$40,806
baseline
▲ 0.50% · 4.625%
HK$42,957
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,612/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,742
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,134
−HK$1,414/mo
Today · 4.125%
HK$47,548
baseline
▲ 0.50% · 4.625%
HK$50,441
+HK$2,893/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,096/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,775
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,110
−HK$1,354/mo
Today · 4.125%
HK$52,464
baseline
▲ 0.50% · 4.625%
HK$55,230
+HK$2,766/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,928/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,782 · Scale 2, in force from 26 Feb 2026)