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$25,790
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$815/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$29,075
+HK$1,667/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,816/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,692
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,461
−HK$781/mo
Today · 4.125%
HK$30,242
baseline
▲ 0.50% · 4.625%
HK$31,836
+HK$1,594/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,484/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,948
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,911
−HK$978/mo
Today · 4.125%
HK$32,889
baseline
▲ 0.50% · 4.625%
HK$34,890
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,778/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,430
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,353
−HK$937/mo
Today · 4.125%
HK$36,290
baseline
▲ 0.50% · 4.625%
HK$38,203
+HK$1,913/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,580/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,106
−HK$2,265/mo
▼ 0.25% · 3.875%
HK$37,230
−HK$1,141/mo
Today · 4.125%
HK$38,371
baseline
▲ 0.50% · 4.625%
HK$40,705
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,742/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,168
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,245
−HK$1,093/mo
Today · 4.125%
HK$42,338
baseline
▲ 0.50% · 4.625%
HK$44,570
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,676/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,423
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,867
−HK$1,467/mo
Today · 4.125%
HK$49,334
baseline
▲ 0.50% · 4.625%
HK$52,336
+HK$3,002/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,668/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,645
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,030
−HK$1,405/mo
Today · 4.125%
HK$54,435
baseline
▲ 0.50% · 4.625%
HK$57,304
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,870/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,136 · Scale 2, in force from 26 Feb 2026)