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$26,077
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$26,888
−HK$824/mo
Today · 4.125%
HK$27,712
baseline
▲ 0.50% · 4.625%
HK$29,399
+HK$1,687/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$55,424/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,011
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,789
−HK$789/mo
Today · 4.125%
HK$30,578
baseline
▲ 0.50% · 4.625%
HK$32,190
+HK$1,612/mo
Deposit HK$5.72M · loan HK$5.72M · min. income ≈ HK$61,156/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$428,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,293
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$989/mo
Today · 4.125%
HK$33,255
baseline
▲ 0.50% · 4.625%
HK$35,278
+HK$2,023/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$66,510/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,813
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$35,746
−HK$948/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,628
+HK$1,934/mo
Deposit HK$4.57M · loan HK$6.86M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$428,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,508
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,644
−HK$1,153/mo
Today · 4.125%
HK$38,797
baseline
▲ 0.50% · 4.625%
HK$41,158
+HK$2,361/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,594/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,615
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,704
−HK$1,105/mo
Today · 4.125%
HK$42,809
baseline
▲ 0.50% · 4.625%
HK$45,066
+HK$2,257/mo
Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$85,618/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,939
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$48,399
−HK$1,483/mo
Today · 4.125%
HK$49,882
baseline
▲ 0.50% · 4.625%
HK$52,918
+HK$3,036/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$99,764/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,219
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$53,620
−HK$1,420/mo
Today · 4.125%
HK$55,040
baseline
▲ 0.50% · 4.625%
HK$57,942
+HK$2,902/mo
Deposit HK$1.14M · loan HK$10.29M · min. income ≈ HK$110,080/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$428,853 · Scale 2, in force from 26 Feb 2026)