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$24,416
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,176
−HK$771/mo
Today · 4.125%
HK$25,947
baseline
▲ 0.50% · 4.625%
HK$27,526
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,894/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,163
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,891
−HK$739/mo
Today · 4.125%
HK$28,630
baseline
▲ 0.50% · 4.625%
HK$30,139
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,260/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,299
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,211
−HK$926/mo
Today · 4.125%
HK$31,137
baseline
▲ 0.50% · 4.625%
HK$33,031
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,274/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,595
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,470
−HK$886/mo
Today · 4.125%
HK$34,356
baseline
▲ 0.50% · 4.625%
HK$36,167
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,712/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,183
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,246
−HK$1,080/mo
Today · 4.125%
HK$36,326
baseline
▲ 0.50% · 4.625%
HK$38,537
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,652/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,028
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,048
−HK$1,034/mo
Today · 4.125%
HK$40,082
baseline
▲ 0.50% · 4.625%
HK$42,195
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,164/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,949
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,316
−HK$1,389/mo
Today · 4.125%
HK$46,705
baseline
▲ 0.50% · 4.625%
HK$49,547
+HK$2,842/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,410/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,893
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,204
−HK$1,331/mo
Today · 4.125%
HK$51,535
baseline
▲ 0.50% · 4.625%
HK$54,251
+HK$2,716/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,070/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,538 · Scale 2, in force from 26 Feb 2026)