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$26,164
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,978
−HK$827/mo
Today · 4.125%
HK$27,805
baseline
▲ 0.50% · 4.625%
HK$29,497
+HK$1,692/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,610/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,108
−HK$1,572/mo
▼ 0.25% · 3.875%
HK$29,888
−HK$792/mo
Today · 4.125%
HK$30,680
baseline
▲ 0.50% · 4.625%
HK$32,297
+HK$1,617/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,360/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,397
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,374
−HK$992/mo
Today · 4.125%
HK$33,366
baseline
▲ 0.50% · 4.625%
HK$35,396
+HK$2,030/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$66,732/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,929
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,866
−HK$950/mo
Today · 4.125%
HK$36,816
baseline
▲ 0.50% · 4.625%
HK$38,757
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.88M · min. income ≈ HK$73,632/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,630
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,769
−HK$1,158/mo
Today · 4.125%
HK$38,927
baseline
▲ 0.50% · 4.625%
HK$41,296
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$77,854/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,751
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,843
−HK$1,109/mo
Today · 4.125%
HK$42,952
baseline
▲ 0.50% · 4.625%
HK$45,216
+HK$2,264/mo
Deposit HK$3.44M · loan HK$8.03M · min. income ≈ HK$85,904/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,096
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$48,561
−HK$1,488/mo
Today · 4.125%
HK$50,049
baseline
▲ 0.50% · 4.625%
HK$53,094
+HK$3,045/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,098/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,394
−HK$2,830/mo
▼ 0.25% · 3.875%
HK$53,799
−HK$1,425/mo
Today · 4.125%
HK$55,224
baseline
▲ 0.50% · 4.625%
HK$58,135
+HK$2,911/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,448/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,286 · Scale 2, in force from 26 Feb 2026)