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$25,832
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$816/mo
Today · 4.125%
HK$27,452
baseline
▲ 0.50% · 4.625%
HK$29,122
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,904/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,738
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,509
−HK$781/mo
Today · 4.125%
HK$30,290
baseline
▲ 0.50% · 4.625%
HK$31,887
+HK$1,597/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,580/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,998
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,963
−HK$979/mo
Today · 4.125%
HK$32,942
baseline
▲ 0.50% · 4.625%
HK$34,947
+HK$2,005/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,884/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,485
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,410
−HK$939/mo
Today · 4.125%
HK$36,349
baseline
▲ 0.50% · 4.625%
HK$38,265
+HK$1,916/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,698/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$424,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,165
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,290
−HK$1,143/mo
Today · 4.125%
HK$38,433
baseline
▲ 0.50% · 4.625%
HK$40,771
+HK$2,338/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,866/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,233
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,312
−HK$1,095/mo
Today · 4.125%
HK$42,407
baseline
▲ 0.50% · 4.625%
HK$44,642
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,814/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,498
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,944
−HK$1,469/mo
Today · 4.125%
HK$49,413
baseline
▲ 0.50% · 4.625%
HK$52,420
+HK$3,007/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,826/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,728
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$53,115
−HK$1,408/mo
Today · 4.125%
HK$54,523
baseline
▲ 0.50% · 4.625%
HK$57,397
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,046/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,821 · Scale 2, in force from 26 Feb 2026)