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$26,265
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$27,082
−HK$830/mo
Today · 4.125%
HK$27,912
baseline
▲ 0.50% · 4.625%
HK$29,610
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,824/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,219
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,003
−HK$795/mo
Today · 4.125%
HK$30,798
baseline
▲ 0.50% · 4.625%
HK$32,421
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,596/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,517
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,498
−HK$996/mo
Today · 4.125%
HK$33,494
baseline
▲ 0.50% · 4.625%
HK$35,532
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,988/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,063
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,003
−HK$954/mo
Today · 4.125%
HK$36,957
baseline
▲ 0.50% · 4.625%
HK$38,905
+HK$1,948/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,914/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,770
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,914
−HK$1,162/mo
Today · 4.125%
HK$39,076
baseline
▲ 0.50% · 4.625%
HK$41,454
+HK$2,378/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$78,152/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,907
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,004
−HK$1,113/mo
Today · 4.125%
HK$43,117
baseline
▲ 0.50% · 4.625%
HK$45,389
+HK$2,272/mo
Deposit HK$3.46M · loan HK$8.06M · min. income ≈ HK$86,234/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,276
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,747
−HK$1,494/mo
Today · 4.125%
HK$50,241
baseline
▲ 0.50% · 4.625%
HK$53,298
+HK$3,057/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,482/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,594
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$54,005
−HK$1,431/mo
Today · 4.125%
HK$55,436
baseline
▲ 0.50% · 4.625%
HK$58,358
+HK$2,922/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,872/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,934 · Scale 2, in force from 26 Feb 2026)