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$26,317
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,136
−HK$832/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,669
+HK$1,701/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,278
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,063
−HK$796/mo
Today · 4.125%
HK$30,859
baseline
▲ 0.50% · 4.625%
HK$32,486
+HK$1,627/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,718/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$432,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,581
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,563
−HK$998/mo
Today · 4.125%
HK$33,561
baseline
▲ 0.50% · 4.625%
HK$35,603
+HK$2,042/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$67,122/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,133
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,075
−HK$956/mo
Today · 4.125%
HK$37,031
baseline
▲ 0.50% · 4.625%
HK$38,983
+HK$1,952/mo
Deposit HK$4.62M · loan HK$6.92M · min. income ≈ HK$74,062/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$432,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,844
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,990
−HK$1,165/mo
Today · 4.125%
HK$39,155
baseline
▲ 0.50% · 4.625%
HK$41,537
+HK$2,382/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,310/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,989
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,088
−HK$1,115/mo
Today · 4.125%
HK$43,203
baseline
▲ 0.50% · 4.625%
HK$45,481
+HK$2,278/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,406/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$432,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,371
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,845
−HK$1,497/mo
Today · 4.125%
HK$50,342
baseline
▲ 0.50% · 4.625%
HK$53,405
+HK$3,063/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,684/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,700
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,113
−HK$1,434/mo
Today · 4.125%
HK$55,547
baseline
▲ 0.50% · 4.625%
HK$58,475
+HK$2,928/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,094/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$432,801 · Scale 2, in force from 26 Feb 2026)