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$24,355
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,112
−HK$770/mo
Today · 4.125%
HK$25,882
baseline
▲ 0.50% · 4.625%
HK$27,457
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,764/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,095
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,821
−HK$737/mo
Today · 4.125%
HK$28,558
baseline
▲ 0.50% · 4.625%
HK$30,064
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,116/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,226
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,135
−HK$924/mo
Today · 4.125%
HK$31,059
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,118/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,513
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,385
−HK$885/mo
Today · 4.125%
HK$34,270
baseline
▲ 0.50% · 4.625%
HK$36,076
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,540/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,097
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,157
−HK$1,078/mo
Today · 4.125%
HK$36,235
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,470/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,932
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,950
−HK$1,032/mo
Today · 4.125%
HK$39,982
baseline
▲ 0.50% · 4.625%
HK$42,089
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,964/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,839
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,386/mo
Today · 4.125%
HK$46,588
baseline
▲ 0.50% · 4.625%
HK$49,423
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,176/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,770
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,078
−HK$1,327/mo
Today · 4.125%
HK$51,405
baseline
▲ 0.50% · 4.625%
HK$54,115
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,810/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,529 · Scale 2, in force from 26 Feb 2026)