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$26,089
−HK$1,636/mo
▼ 0.25% · 3.875%
HK$26,901
−HK$824/mo
Today · 4.125%
HK$27,725
baseline
▲ 0.50% · 4.625%
HK$29,412
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,450/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,024
−HK$1,568/mo
▼ 0.25% · 3.875%
HK$29,803
−HK$789/mo
Today · 4.125%
HK$30,592
baseline
▲ 0.50% · 4.625%
HK$32,205
+HK$1,613/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,184/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$429,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,307
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,281
−HK$990/mo
Today · 4.125%
HK$33,271
baseline
▲ 0.50% · 4.625%
HK$35,295
+HK$2,024/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$66,542/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,829
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,763
−HK$948/mo
Today · 4.125%
HK$36,711
baseline
▲ 0.50% · 4.625%
HK$38,646
+HK$1,935/mo
Deposit HK$4.58M · loan HK$6.86M · min. income ≈ HK$73,422/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,525
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$1,155/mo
Today · 4.125%
HK$38,816
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,632/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,634
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,724
−HK$1,105/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,087
+HK$2,258/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$429,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,961
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$48,422
−HK$1,484/mo
Today · 4.125%
HK$49,906
baseline
▲ 0.50% · 4.625%
HK$52,942
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$99,812/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,244
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$53,645
−HK$1,421/mo
Today · 4.125%
HK$55,066
baseline
▲ 0.50% · 4.625%
HK$57,969
+HK$2,903/mo
Deposit HK$1.14M · loan HK$10.30M · min. income ≈ HK$110,132/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$429,054 · Scale 2, in force from 26 Feb 2026)