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$26,285
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$831/mo
Today · 4.125%
HK$27,933
baseline
▲ 0.50% · 4.625%
HK$29,633
+HK$1,700/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,866/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,242
−HK$1,579/mo
▼ 0.25% · 3.875%
HK$30,026
−HK$795/mo
Today · 4.125%
HK$30,821
baseline
▲ 0.50% · 4.625%
HK$32,446
+HK$1,625/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,642/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,542
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,523
−HK$997/mo
Today · 4.125%
HK$33,520
baseline
▲ 0.50% · 4.625%
HK$35,559
+HK$2,039/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,040/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,090
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,031
−HK$955/mo
Today · 4.125%
HK$36,986
baseline
▲ 0.50% · 4.625%
HK$38,935
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,972/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,799
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,943
−HK$1,163/mo
Today · 4.125%
HK$39,106
baseline
▲ 0.50% · 4.625%
HK$41,486
+HK$2,380/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,212/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,938
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,036
−HK$1,114/mo
Today · 4.125%
HK$43,150
baseline
▲ 0.50% · 4.625%
HK$45,425
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,300/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,313
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,784
−HK$1,496/mo
Today · 4.125%
HK$50,280
baseline
▲ 0.50% · 4.625%
HK$53,339
+HK$3,059/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,560/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,635
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,047
−HK$1,432/mo
Today · 4.125%
HK$55,479
baseline
▲ 0.50% · 4.625%
HK$58,403
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,958/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,268 · Scale 2, in force from 26 Feb 2026)