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$25,903
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,709
−HK$819/mo
Today · 4.125%
HK$27,528
baseline
▲ 0.50% · 4.625%
HK$29,203
+HK$1,675/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,056/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,817
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$29,590
−HK$784/mo
Today · 4.125%
HK$30,374
baseline
▲ 0.50% · 4.625%
HK$31,975
+HK$1,601/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,748/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$425,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,084
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,051
−HK$982/mo
Today · 4.125%
HK$33,033
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$2,010/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$66,066/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,580
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,508
−HK$941/mo
Today · 4.125%
HK$36,449
baseline
▲ 0.50% · 4.625%
HK$38,370
+HK$1,921/mo
Deposit HK$4.54M · loan HK$6.82M · min. income ≈ HK$72,898/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,264
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,392
−HK$1,147/mo
Today · 4.125%
HK$38,539
baseline
▲ 0.50% · 4.625%
HK$40,884
+HK$2,345/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,078/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,344
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,426
−HK$1,097/mo
Today · 4.125%
HK$42,523
baseline
▲ 0.50% · 4.625%
HK$44,765
+HK$2,242/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$85,046/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,626
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$48,076
−HK$1,474/mo
Today · 4.125%
HK$49,550
baseline
▲ 0.50% · 4.625%
HK$52,565
+HK$3,015/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,100/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,871
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$53,262
−HK$1,411/mo
Today · 4.125%
HK$54,673
baseline
▲ 0.50% · 4.625%
HK$57,555
+HK$2,882/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,346/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,992 · Scale 2, in force from 26 Feb 2026)