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$24,401
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,160
−HK$772/mo
Today · 4.125%
HK$25,932
baseline
▲ 0.50% · 4.625%
HK$27,510
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,864/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,146
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,874
−HK$739/mo
Today · 4.125%
HK$28,613
baseline
▲ 0.50% · 4.625%
HK$30,121
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,226/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,282
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$925/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$33,011
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,576
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,449
−HK$887/mo
Today · 4.125%
HK$34,336
baseline
▲ 0.50% · 4.625%
HK$36,146
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,672/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,162
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,225
−HK$1,079/mo
Today · 4.125%
HK$36,304
baseline
▲ 0.50% · 4.625%
HK$38,513
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,608/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,005
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,024
−HK$1,034/mo
Today · 4.125%
HK$40,058
baseline
▲ 0.50% · 4.625%
HK$42,170
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,116/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,923
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,289
−HK$1,388/mo
Today · 4.125%
HK$46,677
baseline
▲ 0.50% · 4.625%
HK$49,517
+HK$2,840/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,354/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,864
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,174
−HK$1,329/mo
Today · 4.125%
HK$51,503
baseline
▲ 0.50% · 4.625%
HK$54,218
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,006/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,295 · Scale 2, in force from 26 Feb 2026)