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$26,129
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$26,942
−HK$826/mo
Today · 4.125%
HK$27,768
baseline
▲ 0.50% · 4.625%
HK$29,457
+HK$1,689/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$55,536/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,069
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,848
−HK$791/mo
Today · 4.125%
HK$30,639
baseline
▲ 0.50% · 4.625%
HK$32,254
+HK$1,615/mo
Deposit HK$5.73M · loan HK$5.73M · min. income ≈ HK$61,278/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$429,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,355
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,331
−HK$990/mo
Today · 4.125%
HK$33,321
baseline
▲ 0.50% · 4.625%
HK$35,349
+HK$2,028/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$66,642/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,882
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,818
−HK$949/mo
Today · 4.125%
HK$36,767
baseline
▲ 0.50% · 4.625%
HK$38,705
+HK$1,938/mo
Deposit HK$4.58M · loan HK$6.88M · min. income ≈ HK$73,534/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$429,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,581
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,719
−HK$1,156/mo
Today · 4.125%
HK$38,875
baseline
▲ 0.50% · 4.625%
HK$41,240
+HK$2,365/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$77,750/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,696
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,787
−HK$1,108/mo
Today · 4.125%
HK$42,895
baseline
▲ 0.50% · 4.625%
HK$45,156
+HK$2,261/mo
Deposit HK$3.44M · loan HK$8.02M · min. income ≈ HK$85,790/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$429,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,033
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$48,496
−HK$1,486/mo
Today · 4.125%
HK$49,982
baseline
▲ 0.50% · 4.625%
HK$53,023
+HK$3,041/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$99,964/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,323
−HK$2,827/mo
▼ 0.25% · 3.875%
HK$53,727
−HK$1,423/mo
Today · 4.125%
HK$55,150
baseline
▲ 0.50% · 4.625%
HK$58,057
+HK$2,907/mo
Deposit HK$1.15M · loan HK$10.31M · min. income ≈ HK$110,300/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$429,711 · Scale 2, in force from 26 Feb 2026)