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$26,272
−HK$1,648/mo
▼ 0.25% · 3.875%
HK$27,089
−HK$831/mo
Today · 4.125%
HK$27,920
baseline
▲ 0.50% · 4.625%
HK$29,618
+HK$1,698/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$55,840/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,227
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$30,011
−HK$796/mo
Today · 4.125%
HK$30,807
baseline
▲ 0.50% · 4.625%
HK$32,430
+HK$1,623/mo
Deposit HK$5.76M · loan HK$5.76M · min. income ≈ HK$61,614/mo (50% DSR)
Upfront cash ≈ HK$6.19M (deposit + AVD stamp duty HK$432,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,527
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,507
−HK$997/mo
Today · 4.125%
HK$33,504
baseline
▲ 0.50% · 4.625%
HK$35,542
+HK$2,038/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$67,008/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,073
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,014
−HK$954/mo
Today · 4.125%
HK$36,968
baseline
▲ 0.50% · 4.625%
HK$38,917
+HK$1,949/mo
Deposit HK$4.61M · loan HK$6.91M · min. income ≈ HK$73,936/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$432,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,781
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,925
−HK$1,162/mo
Today · 4.125%
HK$39,087
baseline
▲ 0.50% · 4.625%
HK$41,466
+HK$2,379/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$78,174/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,918
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,016
−HK$1,113/mo
Today · 4.125%
HK$43,129
baseline
▲ 0.50% · 4.625%
HK$45,403
+HK$2,274/mo
Deposit HK$3.46M · loan HK$8.07M · min. income ≈ HK$86,258/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$432,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,290
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$48,761
−HK$1,494/mo
Today · 4.125%
HK$50,255
baseline
▲ 0.50% · 4.625%
HK$53,313
+HK$3,058/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$100,510/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,609
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$54,020
−HK$1,432/mo
Today · 4.125%
HK$55,452
baseline
▲ 0.50% · 4.625%
HK$58,375
+HK$2,923/mo
Deposit HK$1.15M · loan HK$10.37M · min. income ≈ HK$110,904/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$432,059 · Scale 2, in force from 26 Feb 2026)