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$26,284
−HK$1,649/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$831/mo
Today · 4.125%
HK$27,933
baseline
▲ 0.50% · 4.625%
HK$29,632
+HK$1,699/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$432,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,241
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,025
−HK$796/mo
Today · 4.125%
HK$30,821
baseline
▲ 0.50% · 4.625%
HK$32,445
+HK$1,624/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$432,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,541
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,522
−HK$997/mo
Today · 4.125%
HK$33,519
baseline
▲ 0.50% · 4.625%
HK$35,559
+HK$2,040/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$67,038/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,089
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,030
−HK$955/mo
Today · 4.125%
HK$36,985
baseline
▲ 0.50% · 4.625%
HK$38,935
+HK$1,950/mo
Deposit HK$4.61M · loan HK$6.92M · min. income ≈ HK$73,970/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,798
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,943
−HK$1,163/mo
Today · 4.125%
HK$39,106
baseline
▲ 0.50% · 4.625%
HK$41,485
+HK$2,379/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$432,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,937
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,035
−HK$1,114/mo
Today · 4.125%
HK$43,149
baseline
▲ 0.50% · 4.625%
HK$45,424
+HK$2,275/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,298/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,312
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,783
−HK$1,496/mo
Today · 4.125%
HK$50,279
baseline
▲ 0.50% · 4.625%
HK$53,338
+HK$3,059/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,558/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,634
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,046
−HK$1,432/mo
Today · 4.125%
HK$55,478
baseline
▲ 0.50% · 4.625%
HK$58,402
+HK$2,924/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,956/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,260 · Scale 2, in force from 26 Feb 2026)