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$26,351
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,170
−HK$833/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,707
+HK$1,704/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,315
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,101
−HK$798/mo
Today · 4.125%
HK$30,899
baseline
▲ 0.50% · 4.625%
HK$32,528
+HK$1,629/mo
Deposit HK$5.78M · loan HK$5.78M · min. income ≈ HK$61,798/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,621
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,605
−HK$999/mo
Today · 4.125%
HK$33,604
baseline
▲ 0.50% · 4.625%
HK$35,649
+HK$2,045/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,208/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,178
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,121
−HK$958/mo
Today · 4.125%
HK$37,079
baseline
▲ 0.50% · 4.625%
HK$39,033
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,158/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$433,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,891
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,039
−HK$1,166/mo
Today · 4.125%
HK$39,205
baseline
▲ 0.50% · 4.625%
HK$41,590
+HK$2,385/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$78,410/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,041
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,142
−HK$1,116/mo
Today · 4.125%
HK$43,258
baseline
▲ 0.50% · 4.625%
HK$45,539
+HK$2,281/mo
Deposit HK$3.47M · loan HK$8.09M · min. income ≈ HK$86,516/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,431
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,907
−HK$1,499/mo
Today · 4.125%
HK$50,406
baseline
▲ 0.50% · 4.625%
HK$53,473
+HK$3,067/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$100,812/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,767
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,182
−HK$1,436/mo
Today · 4.125%
HK$55,618
baseline
▲ 0.50% · 4.625%
HK$58,550
+HK$2,932/mo
Deposit HK$1.16M · loan HK$10.40M · min. income ≈ HK$111,236/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,353 · Scale 2, in force from 26 Feb 2026)