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$26,075
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$824/mo
Today · 4.125%
HK$27,710
baseline
▲ 0.50% · 4.625%
HK$29,396
+HK$1,686/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,420/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,008
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,786
−HK$789/mo
Today · 4.125%
HK$30,575
baseline
▲ 0.50% · 4.625%
HK$32,187
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,150/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,290
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,263
−HK$989/mo
Today · 4.125%
HK$33,252
baseline
▲ 0.50% · 4.625%
HK$35,275
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,504/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,809
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,743
−HK$947/mo
Today · 4.125%
HK$36,690
baseline
▲ 0.50% · 4.625%
HK$38,624
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,380/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,504
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,640
−HK$1,154/mo
Today · 4.125%
HK$38,794
baseline
▲ 0.50% · 4.625%
HK$41,154
+HK$2,360/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$77,588/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,611
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,700
−HK$1,105/mo
Today · 4.125%
HK$42,805
baseline
▲ 0.50% · 4.625%
HK$45,061
+HK$2,256/mo
Deposit HK$3.43M · loan HK$8.00M · min. income ≈ HK$85,610/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,934
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,394
−HK$1,483/mo
Today · 4.125%
HK$49,877
baseline
▲ 0.50% · 4.625%
HK$52,912
+HK$3,035/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,754/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,214
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,614
−HK$1,421/mo
Today · 4.125%
HK$55,035
baseline
▲ 0.50% · 4.625%
HK$57,936
+HK$2,901/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,070/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,811 · Scale 2, in force from 26 Feb 2026)