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$26,326
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,145
−HK$832/mo
Today · 4.125%
HK$27,977
baseline
▲ 0.50% · 4.625%
HK$29,680
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,954/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,288
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,073
−HK$797/mo
Today · 4.125%
HK$30,870
baseline
▲ 0.50% · 4.625%
HK$32,497
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,740/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$432,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,592
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,574
−HK$999/mo
Today · 4.125%
HK$33,573
baseline
▲ 0.50% · 4.625%
HK$35,615
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,146/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,145
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,088
−HK$956/mo
Today · 4.125%
HK$37,044
baseline
▲ 0.50% · 4.625%
HK$38,997
+HK$1,953/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,088/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,857
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,003
−HK$1,165/mo
Today · 4.125%
HK$39,168
baseline
▲ 0.50% · 4.625%
HK$41,551
+HK$2,383/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,336/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,003
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,103
−HK$1,115/mo
Today · 4.125%
HK$43,218
baseline
▲ 0.50% · 4.625%
HK$45,496
+HK$2,278/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,436/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,387
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,861
−HK$1,498/mo
Today · 4.125%
HK$50,359
baseline
▲ 0.50% · 4.625%
HK$53,423
+HK$3,064/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,718/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,718
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,132
−HK$1,434/mo
Today · 4.125%
HK$55,566
baseline
▲ 0.50% · 4.625%
HK$58,495
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,132/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,950 · Scale 2, in force from 26 Feb 2026)