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$26,025
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$26,834
−HK$823/mo
Today · 4.125%
HK$27,657
baseline
▲ 0.50% · 4.625%
HK$29,340
+HK$1,683/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$55,314/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,952
−HK$1,565/mo
▼ 0.25% · 3.875%
HK$29,729
−HK$788/mo
Today · 4.125%
HK$30,517
baseline
▲ 0.50% · 4.625%
HK$32,125
+HK$1,608/mo
Deposit HK$5.71M · loan HK$5.71M · min. income ≈ HK$61,034/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,230
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,201
−HK$987/mo
Today · 4.125%
HK$33,188
baseline
▲ 0.50% · 4.625%
HK$35,208
+HK$2,020/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$66,376/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,743
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,675
−HK$945/mo
Today · 4.125%
HK$36,620
baseline
▲ 0.50% · 4.625%
HK$38,550
+HK$1,930/mo
Deposit HK$4.57M · loan HK$6.85M · min. income ≈ HK$73,240/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,435
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,568
−HK$1,151/mo
Today · 4.125%
HK$38,719
baseline
▲ 0.50% · 4.625%
HK$41,075
+HK$2,356/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$77,438/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,533
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,620
−HK$1,103/mo
Today · 4.125%
HK$42,723
baseline
▲ 0.50% · 4.625%
HK$44,975
+HK$2,252/mo
Deposit HK$3.42M · loan HK$7.99M · min. income ≈ HK$85,446/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,845
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$48,302
−HK$1,480/mo
Today · 4.125%
HK$49,782
baseline
▲ 0.50% · 4.625%
HK$52,811
+HK$3,029/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$99,564/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,114
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$53,512
−HK$1,418/mo
Today · 4.125%
HK$54,930
baseline
▲ 0.50% · 4.625%
HK$57,825
+HK$2,895/mo
Deposit HK$1.14M · loan HK$10.27M · min. income ≈ HK$109,860/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,992 · Scale 2, in force from 26 Feb 2026)