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$24,379
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,137
−HK$771/mo
Today · 4.125%
HK$25,908
baseline
▲ 0.50% · 4.625%
HK$27,484
+HK$1,576/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,816/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,121
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,849
−HK$738/mo
Today · 4.125%
HK$28,587
baseline
▲ 0.50% · 4.625%
HK$30,094
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,174/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,255
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,165
−HK$924/mo
Today · 4.125%
HK$31,089
baseline
▲ 0.50% · 4.625%
HK$32,981
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,178/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,546
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,419
−HK$885/mo
Today · 4.125%
HK$34,304
baseline
▲ 0.50% · 4.625%
HK$36,112
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,608/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,131
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,192
−HK$1,079/mo
Today · 4.125%
HK$36,271
baseline
▲ 0.50% · 4.625%
HK$38,478
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,542/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,970
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,988
−HK$1,033/mo
Today · 4.125%
HK$40,021
baseline
▲ 0.50% · 4.625%
HK$42,131
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,042/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,882
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,247
−HK$1,387/mo
Today · 4.125%
HK$46,634
baseline
▲ 0.50% · 4.625%
HK$49,472
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,268/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,819
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,328/mo
Today · 4.125%
HK$51,456
baseline
▲ 0.50% · 4.625%
HK$54,168
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,912/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,927 · Scale 2, in force from 26 Feb 2026)