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$25,729
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,530
−HK$813/mo
Today · 4.125%
HK$27,343
baseline
▲ 0.50% · 4.625%
HK$29,007
+HK$1,664/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,686/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,624
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,391
−HK$779/mo
Today · 4.125%
HK$30,170
baseline
▲ 0.50% · 4.625%
HK$31,760
+HK$1,590/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,340/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$423,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,875
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,836
−HK$975/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,808
+HK$1,997/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,622/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,348
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$934/mo
Today · 4.125%
HK$36,204
baseline
▲ 0.50% · 4.625%
HK$38,112
+HK$1,908/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,408/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,021
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,142
−HK$1,138/mo
Today · 4.125%
HK$38,280
baseline
▲ 0.50% · 4.625%
HK$40,609
+HK$2,329/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,560/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,073
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,148
−HK$1,090/mo
Today · 4.125%
HK$42,238
baseline
▲ 0.50% · 4.625%
HK$44,465
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,476/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,313
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,753
−HK$1,464/mo
Today · 4.125%
HK$49,217
baseline
▲ 0.50% · 4.625%
HK$52,212
+HK$2,995/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,434/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,523
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$52,904
−HK$1,402/mo
Today · 4.125%
HK$54,306
baseline
▲ 0.50% · 4.625%
HK$57,169
+HK$2,863/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,612/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,133 · Scale 2, in force from 26 Feb 2026)