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$24,168
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,920
−HK$764/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,246
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,887
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,608
−HK$731/mo
Today · 4.125%
HK$28,339
baseline
▲ 0.50% · 4.625%
HK$29,833
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,678/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,002
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$916/mo
Today · 4.125%
HK$30,820
baseline
▲ 0.50% · 4.625%
HK$32,696
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,640/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,264
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,129
−HK$878/mo
Today · 4.125%
HK$34,007
baseline
▲ 0.50% · 4.625%
HK$35,800
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,014/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,835
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,888
−HK$1,069/mo
Today · 4.125%
HK$35,957
baseline
▲ 0.50% · 4.625%
HK$38,145
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,914/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,642
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,651
−HK$1,024/mo
Today · 4.125%
HK$39,675
baseline
▲ 0.50% · 4.625%
HK$41,766
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,350/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,503
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,856
−HK$1,375/mo
Today · 4.125%
HK$46,231
baseline
▲ 0.50% · 4.625%
HK$49,044
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,462/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,396
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,694
−HK$1,317/mo
Today · 4.125%
HK$51,011
baseline
▲ 0.50% · 4.625%
HK$53,700
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,022/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,458 · Scale 2, in force from 26 Feb 2026)