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$26,256
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$27,072
−HK$830/mo
Today · 4.125%
HK$27,902
baseline
▲ 0.50% · 4.625%
HK$29,600
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,804/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,209
−HK$1,578/mo
▼ 0.25% · 3.875%
HK$29,993
−HK$794/mo
Today · 4.125%
HK$30,787
baseline
▲ 0.50% · 4.625%
HK$32,410
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,574/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$431,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,507
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,487
−HK$996/mo
Today · 4.125%
HK$33,483
baseline
▲ 0.50% · 4.625%
HK$35,520
+HK$2,037/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$66,966/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,051
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,991
−HK$954/mo
Today · 4.125%
HK$36,945
baseline
▲ 0.50% · 4.625%
HK$38,892
+HK$1,947/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,890/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$431,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,758
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,901
−HK$1,162/mo
Today · 4.125%
HK$39,063
baseline
▲ 0.50% · 4.625%
HK$41,440
+HK$2,377/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$78,126/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,893
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,990
−HK$1,112/mo
Today · 4.125%
HK$43,102
baseline
▲ 0.50% · 4.625%
HK$45,374
+HK$2,272/mo
Deposit HK$3.45M · loan HK$8.06M · min. income ≈ HK$86,204/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$431,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,260
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$48,730
−HK$1,494/mo
Today · 4.125%
HK$50,224
baseline
▲ 0.50% · 4.625%
HK$53,280
+HK$3,056/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$100,448/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,576
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$53,987
−HK$1,430/mo
Today · 4.125%
HK$55,417
baseline
▲ 0.50% · 4.625%
HK$58,338
+HK$2,921/mo
Deposit HK$1.15M · loan HK$10.36M · min. income ≈ HK$110,834/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$431,788 · Scale 2, in force from 26 Feb 2026)