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$26,034
−HK$1,633/mo
▼ 0.25% · 3.875%
HK$26,844
−HK$823/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,350
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,963
−HK$1,564/mo
▼ 0.25% · 3.875%
HK$29,739
−HK$788/mo
Today · 4.125%
HK$30,527
baseline
▲ 0.50% · 4.625%
HK$32,137
+HK$1,610/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,054/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$428,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,241
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,213
−HK$987/mo
Today · 4.125%
HK$33,200
baseline
▲ 0.50% · 4.625%
HK$35,220
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,400/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,755
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,687
−HK$946/mo
Today · 4.125%
HK$36,633
baseline
▲ 0.50% · 4.625%
HK$38,564
+HK$1,931/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,266/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,448
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,581
−HK$1,152/mo
Today · 4.125%
HK$38,733
baseline
▲ 0.50% · 4.625%
HK$41,090
+HK$2,357/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$77,466/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,548
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,635
−HK$1,103/mo
Today · 4.125%
HK$42,738
baseline
▲ 0.50% · 4.625%
HK$44,991
+HK$2,253/mo
Deposit HK$3.43M · loan HK$7.99M · min. income ≈ HK$85,476/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$428,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,861
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$48,319
−HK$1,481/mo
Today · 4.125%
HK$49,800
baseline
▲ 0.50% · 4.625%
HK$52,830
+HK$3,030/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$99,600/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,133
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,531
−HK$1,418/mo
Today · 4.125%
HK$54,949
baseline
▲ 0.50% · 4.625%
HK$57,846
+HK$2,897/mo
Deposit HK$1.14M · loan HK$10.28M · min. income ≈ HK$109,898/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,145 · Scale 2, in force from 26 Feb 2026)