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$25,882
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$26,687
−HK$818/mo
Today · 4.125%
HK$27,505
baseline
▲ 0.50% · 4.625%
HK$29,178
+HK$1,673/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,010/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,793
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$29,565
−HK$784/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$31,948
+HK$1,599/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,058
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$982/mo
Today · 4.125%
HK$33,006
baseline
▲ 0.50% · 4.625%
HK$35,014
+HK$2,008/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$66,012/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,552
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,478
−HK$941/mo
Today · 4.125%
HK$36,419
baseline
▲ 0.50% · 4.625%
HK$38,338
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,838/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$425,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,234
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,361
−HK$1,146/mo
Today · 4.125%
HK$38,507
baseline
▲ 0.50% · 4.625%
HK$40,850
+HK$2,343/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$77,014/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,310
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,392
−HK$1,096/mo
Today · 4.125%
HK$42,488
baseline
▲ 0.50% · 4.625%
HK$44,728
+HK$2,240/mo
Deposit HK$3.41M · loan HK$7.95M · min. income ≈ HK$84,976/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,587
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$48,036
−HK$1,473/mo
Today · 4.125%
HK$49,509
baseline
▲ 0.50% · 4.625%
HK$52,521
+HK$3,012/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$99,018/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,828
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$53,218
−HK$1,410/mo
Today · 4.125%
HK$54,628
baseline
▲ 0.50% · 4.625%
HK$57,507
+HK$2,879/mo
Deposit HK$1.14M · loan HK$10.22M · min. income ≈ HK$109,256/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,639 · Scale 2, in force from 26 Feb 2026)