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$25,879
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$817/mo
Today · 4.125%
HK$27,501
baseline
▲ 0.50% · 4.625%
HK$29,175
+HK$1,674/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$55,002/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,790
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,562
−HK$783/mo
Today · 4.125%
HK$30,345
baseline
▲ 0.50% · 4.625%
HK$31,945
+HK$1,600/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,690/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,054
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,020
−HK$982/mo
Today · 4.125%
HK$33,002
baseline
▲ 0.50% · 4.625%
HK$35,010
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,004/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,548
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,474
−HK$940/mo
Today · 4.125%
HK$36,414
baseline
▲ 0.50% · 4.625%
HK$38,333
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,828/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,230
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$37,357
−HK$1,145/mo
Today · 4.125%
HK$38,502
baseline
▲ 0.50% · 4.625%
HK$40,845
+HK$2,343/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$77,004/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,305
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,386
−HK$1,097/mo
Today · 4.125%
HK$42,483
baseline
▲ 0.50% · 4.625%
HK$44,722
+HK$2,239/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,966/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,581
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$48,030
−HK$1,472/mo
Today · 4.125%
HK$49,502
baseline
▲ 0.50% · 4.625%
HK$52,515
+HK$3,013/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$99,004/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,821
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,211
−HK$1,410/mo
Today · 4.125%
HK$54,621
baseline
▲ 0.50% · 4.625%
HK$57,500
+HK$2,879/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,242/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,587 · Scale 2, in force from 26 Feb 2026)