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$24,368
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$770/mo
Today · 4.125%
HK$25,896
baseline
▲ 0.50% · 4.625%
HK$27,472
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,792/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,109
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,836
−HK$738/mo
Today · 4.125%
HK$28,574
baseline
▲ 0.50% · 4.625%
HK$30,080
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,148/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,242
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,151
−HK$924/mo
Today · 4.125%
HK$31,075
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,891/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,150/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,531
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,404
−HK$885/mo
Today · 4.125%
HK$34,289
baseline
▲ 0.50% · 4.625%
HK$36,096
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,578/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,115
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,177
−HK$1,078/mo
Today · 4.125%
HK$36,255
baseline
▲ 0.50% · 4.625%
HK$38,461
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,510/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,953
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,971
−HK$1,032/mo
Today · 4.125%
HK$40,003
baseline
▲ 0.50% · 4.625%
HK$42,112
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,006/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,863
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,227
−HK$1,386/mo
Today · 4.125%
HK$46,613
baseline
▲ 0.50% · 4.625%
HK$49,449
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,226/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,797
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,105
−HK$1,328/mo
Today · 4.125%
HK$51,433
baseline
▲ 0.50% · 4.625%
HK$54,144
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,866/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,747 · Scale 2, in force from 26 Feb 2026)