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$24,833
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,605
−HK$785/mo
Today · 4.125%
HK$26,390
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,606/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,780/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,626
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,367
−HK$752/mo
Today · 4.125%
HK$29,119
baseline
▲ 0.50% · 4.625%
HK$30,653
+HK$1,534/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,238/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$408,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,799
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,726
−HK$942/mo
Today · 4.125%
HK$31,668
baseline
▲ 0.50% · 4.625%
HK$33,595
+HK$1,927/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$63,336/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,151
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,040
−HK$902/mo
Today · 4.125%
HK$34,942
baseline
▲ 0.50% · 4.625%
HK$36,784
+HK$1,842/mo
Deposit HK$4.36M · loan HK$6.53M · min. income ≈ HK$69,884/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$408,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,766
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,847
−HK$1,099/mo
Today · 4.125%
HK$36,946
baseline
▲ 0.50% · 4.625%
HK$39,194
+HK$2,248/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$73,892/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,676
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,714
−HK$1,052/mo
Today · 4.125%
HK$40,766
baseline
▲ 0.50% · 4.625%
HK$42,915
+HK$2,149/mo
Deposit HK$3.27M · loan HK$7.62M · min. income ≈ HK$81,532/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,699
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,089
−HK$1,413/mo
Today · 4.125%
HK$47,502
baseline
▲ 0.50% · 4.625%
HK$50,392
+HK$2,890/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$95,004/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,727
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,061
−HK$1,352/mo
Today · 4.125%
HK$52,413
baseline
▲ 0.50% · 4.625%
HK$55,176
+HK$2,763/mo
Deposit HK$1.09M · loan HK$9.80M · min. income ≈ HK$104,826/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,386 · Scale 2, in force from 26 Feb 2026)