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$26,272
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,089
−HK$830/mo
Today · 4.125%
HK$27,919
baseline
▲ 0.50% · 4.625%
HK$29,618
+HK$1,699/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,838/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,227
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,011
−HK$795/mo
Today · 4.125%
HK$30,806
baseline
▲ 0.50% · 4.625%
HK$32,430
+HK$1,624/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,612/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,526
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,506
−HK$997/mo
Today · 4.125%
HK$33,503
baseline
▲ 0.50% · 4.625%
HK$35,541
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,006/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,072
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,013
−HK$954/mo
Today · 4.125%
HK$36,967
baseline
▲ 0.50% · 4.625%
HK$38,916
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,934/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,780
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,924
−HK$1,163/mo
Today · 4.125%
HK$39,087
baseline
▲ 0.50% · 4.625%
HK$41,465
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,174/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,918
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,015
−HK$1,113/mo
Today · 4.125%
HK$43,128
baseline
▲ 0.50% · 4.625%
HK$45,402
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,256/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,289
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,760
−HK$1,494/mo
Today · 4.125%
HK$50,254
baseline
▲ 0.50% · 4.625%
HK$53,312
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,508/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,608
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,019
−HK$1,432/mo
Today · 4.125%
HK$55,451
baseline
▲ 0.50% · 4.625%
HK$58,373
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,902/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,049 · Scale 2, in force from 26 Feb 2026)