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$25,859
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$817/mo
Today · 4.125%
HK$27,480
baseline
▲ 0.50% · 4.625%
HK$29,152
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,960/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,768
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$783/mo
Today · 4.125%
HK$30,322
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,644/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,030
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,996
−HK$980/mo
Today · 4.125%
HK$32,976
baseline
▲ 0.50% · 4.625%
HK$34,983
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,952/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,521
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,447
−HK$939/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,304
+HK$1,918/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,202
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$1,144/mo
Today · 4.125%
HK$38,472
baseline
▲ 0.50% · 4.625%
HK$40,813
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,944/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,275
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,355
−HK$1,096/mo
Today · 4.125%
HK$42,451
baseline
▲ 0.50% · 4.625%
HK$44,688
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,902/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,546
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$47,994
−HK$1,471/mo
Today · 4.125%
HK$49,465
baseline
▲ 0.50% · 4.625%
HK$52,474
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,930/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,782
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,170
−HK$1,409/mo
Today · 4.125%
HK$54,579
baseline
▲ 0.50% · 4.625%
HK$57,456
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,158/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,261 · Scale 2, in force from 26 Feb 2026)