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$25,896
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$26,702
−HK$818/mo
Today · 4.125%
HK$27,520
baseline
▲ 0.50% · 4.625%
HK$29,195
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,040/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,809
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,582
−HK$784/mo
Today · 4.125%
HK$30,366
baseline
▲ 0.50% · 4.625%
HK$31,966
+HK$1,600/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,732/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,075
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,042
−HK$982/mo
Today · 4.125%
HK$33,024
baseline
▲ 0.50% · 4.625%
HK$35,033
+HK$2,009/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,048/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,571
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,498
−HK$941/mo
Today · 4.125%
HK$36,439
baseline
▲ 0.50% · 4.625%
HK$38,359
+HK$1,920/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,878/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,255
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,382
−HK$1,146/mo
Today · 4.125%
HK$38,528
baseline
▲ 0.50% · 4.625%
HK$40,872
+HK$2,344/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,056/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,333
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,415
−HK$1,097/mo
Today · 4.125%
HK$42,512
baseline
▲ 0.50% · 4.625%
HK$44,753
+HK$2,241/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,024/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,613
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$48,063
−HK$1,473/mo
Today · 4.125%
HK$49,536
baseline
▲ 0.50% · 4.625%
HK$52,550
+HK$3,014/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,072/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,856
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,247
−HK$1,411/mo
Today · 4.125%
HK$54,658
baseline
▲ 0.50% · 4.625%
HK$57,539
+HK$2,881/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,316/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,875 · Scale 2, in force from 26 Feb 2026)