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$26,321
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,140
−HK$832/mo
Today · 4.125%
HK$27,972
baseline
▲ 0.50% · 4.625%
HK$29,674
+HK$1,702/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,944/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,282
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,067
−HK$797/mo
Today · 4.125%
HK$30,864
baseline
▲ 0.50% · 4.625%
HK$32,491
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,728/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,585
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,568
−HK$998/mo
Today · 4.125%
HK$33,566
baseline
▲ 0.50% · 4.625%
HK$35,609
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,132/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,139
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,081
−HK$956/mo
Today · 4.125%
HK$37,037
baseline
▲ 0.50% · 4.625%
HK$38,989
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,074/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,850
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,996
−HK$1,165/mo
Today · 4.125%
HK$39,161
baseline
▲ 0.50% · 4.625%
HK$41,543
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,322/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,995
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,094
−HK$1,116/mo
Today · 4.125%
HK$43,210
baseline
▲ 0.50% · 4.625%
HK$45,487
+HK$2,277/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,420/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,378
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,852
−HK$1,497/mo
Today · 4.125%
HK$50,349
baseline
▲ 0.50% · 4.625%
HK$53,413
+HK$3,064/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,698/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,708
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,121
−HK$1,434/mo
Today · 4.125%
HK$55,555
baseline
▲ 0.50% · 4.625%
HK$58,484
+HK$2,929/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,110/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,867 · Scale 2, in force from 26 Feb 2026)