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$24,327
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,084
−HK$768/mo
Today · 4.125%
HK$25,852
baseline
▲ 0.50% · 4.625%
HK$27,426
+HK$1,574/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,704/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,064
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,789
−HK$737/mo
Today · 4.125%
HK$28,526
baseline
▲ 0.50% · 4.625%
HK$30,029
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,052/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,192
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$923/mo
Today · 4.125%
HK$31,023
baseline
▲ 0.50% · 4.625%
HK$32,911
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,046/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,476
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,347
−HK$884/mo
Today · 4.125%
HK$34,231
baseline
▲ 0.50% · 4.625%
HK$36,035
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,462/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,058
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,117
−HK$1,076/mo
Today · 4.125%
HK$36,193
baseline
▲ 0.50% · 4.625%
HK$38,396
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,386/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,889
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,905
−HK$1,031/mo
Today · 4.125%
HK$39,936
baseline
▲ 0.50% · 4.625%
HK$42,041
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,872/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,789
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,151
−HK$1,383/mo
Today · 4.125%
HK$46,534
baseline
▲ 0.50% · 4.625%
HK$49,366
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,068/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,714
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,021
−HK$1,325/mo
Today · 4.125%
HK$51,346
baseline
▲ 0.50% · 4.625%
HK$54,053
+HK$2,707/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,692/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,070 · Scale 2, in force from 26 Feb 2026)