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$24,863
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$25,637
−HK$786/mo
Today · 4.125%
HK$26,423
baseline
▲ 0.50% · 4.625%
HK$28,030
+HK$1,607/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$52,846/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,660
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$28,402
−HK$753/mo
Today · 4.125%
HK$29,155
baseline
▲ 0.50% · 4.625%
HK$30,691
+HK$1,536/mo
Deposit HK$5.45M · loan HK$5.45M · min. income ≈ HK$58,310/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$408,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,836
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,764
−HK$943/mo
Today · 4.125%
HK$31,707
baseline
▲ 0.50% · 4.625%
HK$33,636
+HK$1,929/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$63,414/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,192
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,083
−HK$903/mo
Today · 4.125%
HK$34,986
baseline
▲ 0.50% · 4.625%
HK$36,830
+HK$1,844/mo
Deposit HK$4.36M · loan HK$6.54M · min. income ≈ HK$69,972/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$408,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,809
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,892
−HK$1,100/mo
Today · 4.125%
HK$36,992
baseline
▲ 0.50% · 4.625%
HK$39,242
+HK$2,250/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$73,984/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,724
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,763
−HK$1,054/mo
Today · 4.125%
HK$40,817
baseline
▲ 0.50% · 4.625%
HK$42,968
+HK$2,151/mo
Deposit HK$3.27M · loan HK$7.63M · min. income ≈ HK$81,634/mo (50% DSR)
Upfront cash ≈ HK$3.68M (deposit + AVD stamp duty HK$408,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,754
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,146
−HK$1,415/mo
Today · 4.125%
HK$47,561
baseline
▲ 0.50% · 4.625%
HK$50,455
+HK$2,894/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$95,122/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,789
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,124
−HK$1,354/mo
Today · 4.125%
HK$52,478
baseline
▲ 0.50% · 4.625%
HK$55,245
+HK$2,767/mo
Deposit HK$1.09M · loan HK$9.81M · min. income ≈ HK$104,956/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$408,892 · Scale 2, in force from 26 Feb 2026)