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$25,196
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,980
−HK$796/mo
Today · 4.125%
HK$26,776
baseline
▲ 0.50% · 4.625%
HK$28,405
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,552/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,030
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,782
−HK$763/mo
Today · 4.125%
HK$29,545
baseline
▲ 0.50% · 4.625%
HK$31,102
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,090/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,235
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,176
−HK$955/mo
Today · 4.125%
HK$32,131
baseline
▲ 0.50% · 4.625%
HK$34,086
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,262/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,636
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,539
−HK$915/mo
Today · 4.125%
HK$35,454
baseline
▲ 0.50% · 4.625%
HK$37,323
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,908/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,275
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,372
−HK$1,115/mo
Today · 4.125%
HK$37,487
baseline
▲ 0.50% · 4.625%
HK$39,768
+HK$2,281/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,974/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,243
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,295
−HK$1,068/mo
Today · 4.125%
HK$41,363
baseline
▲ 0.50% · 4.625%
HK$43,543
+HK$2,180/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,726/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,353
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,764
−HK$1,433/mo
Today · 4.125%
HK$48,197
baseline
▲ 0.50% · 4.625%
HK$51,130
+HK$2,933/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,394/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,455
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,808
−HK$1,373/mo
Today · 4.125%
HK$53,181
baseline
▲ 0.50% · 4.625%
HK$55,984
+HK$2,803/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,362/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,364 · Scale 2, in force from 26 Feb 2026)