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$25,972
−HK$1,629/mo
▼ 0.25% · 3.875%
HK$26,780
−HK$821/mo
Today · 4.125%
HK$27,601
baseline
▲ 0.50% · 4.625%
HK$29,280
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,202/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,668
−HK$786/mo
Today · 4.125%
HK$30,454
baseline
▲ 0.50% · 4.625%
HK$32,060
+HK$1,606/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,908/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,166
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,136
−HK$985/mo
Today · 4.125%
HK$33,121
baseline
▲ 0.50% · 4.625%
HK$35,136
+HK$2,015/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,242/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,672
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,602
−HK$943/mo
Today · 4.125%
HK$36,545
baseline
▲ 0.50% · 4.625%
HK$38,472
+HK$1,927/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,090/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,361
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,492
−HK$1,149/mo
Today · 4.125%
HK$38,641
baseline
▲ 0.50% · 4.625%
HK$40,992
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,282/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,451
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,536
−HK$1,100/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$44,884
+HK$2,248/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,749
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$48,204
−HK$1,477/mo
Today · 4.125%
HK$49,681
baseline
▲ 0.50% · 4.625%
HK$52,704
+HK$3,023/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,362/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,008
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$53,403
−HK$1,415/mo
Today · 4.125%
HK$54,818
baseline
▲ 0.50% · 4.625%
HK$57,708
+HK$2,890/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,636/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,121 · Scale 2, in force from 26 Feb 2026)