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$25,969
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,776
−HK$821/mo
Today · 4.125%
HK$27,597
baseline
▲ 0.50% · 4.625%
HK$29,276
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,194/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,890
−HK$1,561/mo
▼ 0.25% · 3.875%
HK$29,665
−HK$786/mo
Today · 4.125%
HK$30,451
baseline
▲ 0.50% · 4.625%
HK$32,056
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,902/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,162
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,132
−HK$985/mo
Today · 4.125%
HK$33,117
baseline
▲ 0.50% · 4.625%
HK$35,132
+HK$2,015/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,234/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,668
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,598
−HK$943/mo
Today · 4.125%
HK$36,541
baseline
▲ 0.50% · 4.625%
HK$38,467
+HK$1,926/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,082/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,487
−HK$1,149/mo
Today · 4.125%
HK$38,636
baseline
▲ 0.50% · 4.625%
HK$40,987
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,272/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,446
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,531
−HK$1,100/mo
Today · 4.125%
HK$42,631
baseline
▲ 0.50% · 4.625%
HK$44,878
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,262/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,744
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,198
−HK$1,477/mo
Today · 4.125%
HK$49,675
baseline
▲ 0.50% · 4.625%
HK$52,697
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,350/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,002
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,396
−HK$1,415/mo
Today · 4.125%
HK$54,811
baseline
▲ 0.50% · 4.625%
HK$57,700
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,622/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,068 · Scale 2, in force from 26 Feb 2026)