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$24,425
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,185
−HK$772/mo
Today · 4.125%
HK$25,957
baseline
▲ 0.50% · 4.625%
HK$27,537
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,914/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,173
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,902
−HK$739/mo
Today · 4.125%
HK$28,641
baseline
▲ 0.50% · 4.625%
HK$30,151
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,282/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,310
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,222
−HK$927/mo
Today · 4.125%
HK$31,149
baseline
▲ 0.50% · 4.625%
HK$33,044
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,298/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,608
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,482
−HK$887/mo
Today · 4.125%
HK$34,369
baseline
▲ 0.50% · 4.625%
HK$36,181
+HK$1,812/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,738/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,196
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,259
−HK$1,081/mo
Today · 4.125%
HK$36,340
baseline
▲ 0.50% · 4.625%
HK$38,551
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,680/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,042
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,063
−HK$1,035/mo
Today · 4.125%
HK$40,098
baseline
▲ 0.50% · 4.625%
HK$42,211
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,196/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,966
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,333
−HK$1,390/mo
Today · 4.125%
HK$46,723
baseline
▲ 0.50% · 4.625%
HK$49,566
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,446/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,911
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,223
−HK$1,331/mo
Today · 4.125%
HK$51,554
baseline
▲ 0.50% · 4.625%
HK$54,271
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,108/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,689 · Scale 2, in force from 26 Feb 2026)