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$25,823
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$26,626
−HK$816/mo
Today · 4.125%
HK$27,442
baseline
▲ 0.50% · 4.625%
HK$29,112
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,884/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,728
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,498
−HK$782/mo
Today · 4.125%
HK$30,280
baseline
▲ 0.50% · 4.625%
HK$31,876
+HK$1,596/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,560/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,987
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,951
−HK$980/mo
Today · 4.125%
HK$32,931
baseline
▲ 0.50% · 4.625%
HK$34,934
+HK$2,003/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$65,862/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,473
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,398
−HK$938/mo
Today · 4.125%
HK$36,336
baseline
▲ 0.50% · 4.625%
HK$38,251
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.79M · min. income ≈ HK$72,672/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,152
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,277
−HK$1,142/mo
Today · 4.125%
HK$38,419
baseline
▲ 0.50% · 4.625%
HK$40,757
+HK$2,338/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,838/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,219
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,095/mo
Today · 4.125%
HK$42,392
baseline
▲ 0.50% · 4.625%
HK$44,626
+HK$2,234/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,784/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,481
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,927
−HK$1,469/mo
Today · 4.125%
HK$49,396
baseline
▲ 0.50% · 4.625%
HK$52,402
+HK$3,006/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,792/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,710
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$53,097
−HK$1,407/mo
Today · 4.125%
HK$54,504
baseline
▲ 0.50% · 4.625%
HK$57,376
+HK$2,872/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$109,008/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,671 · Scale 2, in force from 26 Feb 2026)