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$25,742
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,543
−HK$813/mo
Today · 4.125%
HK$27,356
baseline
▲ 0.50% · 4.625%
HK$29,021
+HK$1,665/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,712/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,638
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$779/mo
Today · 4.125%
HK$30,185
baseline
▲ 0.50% · 4.625%
HK$31,776
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,370/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,890
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,851
−HK$977/mo
Today · 4.125%
HK$32,828
baseline
▲ 0.50% · 4.625%
HK$34,825
+HK$1,997/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,656/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,365
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,287
−HK$935/mo
Today · 4.125%
HK$36,222
baseline
▲ 0.50% · 4.625%
HK$38,131
+HK$1,909/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,444/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,039
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,160
−HK$1,139/mo
Today · 4.125%
HK$38,299
baseline
▲ 0.50% · 4.625%
HK$40,629
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,598/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,093
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,168
−HK$1,091/mo
Today · 4.125%
HK$42,259
baseline
▲ 0.50% · 4.625%
HK$44,486
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,518/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,336
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$47,777
−HK$1,464/mo
Today · 4.125%
HK$49,241
baseline
▲ 0.50% · 4.625%
HK$52,237
+HK$2,996/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,482/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,548
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,930
−HK$1,403/mo
Today · 4.125%
HK$54,333
baseline
▲ 0.50% · 4.625%
HK$57,197
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,666/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,341 · Scale 2, in force from 26 Feb 2026)