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$26,177
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$26,991
−HK$827/mo
Today · 4.125%
HK$27,818
baseline
▲ 0.50% · 4.625%
HK$29,511
+HK$1,693/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,636/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,121
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,902
−HK$793/mo
Today · 4.125%
HK$30,695
baseline
▲ 0.50% · 4.625%
HK$32,313
+HK$1,618/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,390/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$430,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,412
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,389
−HK$993/mo
Today · 4.125%
HK$33,382
baseline
▲ 0.50% · 4.625%
HK$35,413
+HK$2,031/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$66,764/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,946
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,883
−HK$951/mo
Today · 4.125%
HK$36,834
baseline
▲ 0.50% · 4.625%
HK$38,775
+HK$1,941/mo
Deposit HK$4.59M · loan HK$6.89M · min. income ≈ HK$73,668/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$430,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,647
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,787
−HK$1,159/mo
Today · 4.125%
HK$38,946
baseline
▲ 0.50% · 4.625%
HK$41,315
+HK$2,369/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$77,892/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,770
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,863
−HK$1,110/mo
Today · 4.125%
HK$42,973
baseline
▲ 0.50% · 4.625%
HK$45,238
+HK$2,265/mo
Deposit HK$3.44M · loan HK$8.04M · min. income ≈ HK$85,946/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$430,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,118
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$48,584
−HK$1,489/mo
Today · 4.125%
HK$50,073
baseline
▲ 0.50% · 4.625%
HK$53,120
+HK$3,047/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$100,146/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,418
−HK$2,832/mo
▼ 0.25% · 3.875%
HK$53,824
−HK$1,426/mo
Today · 4.125%
HK$55,250
baseline
▲ 0.50% · 4.625%
HK$58,163
+HK$2,913/mo
Deposit HK$1.15M · loan HK$10.33M · min. income ≈ HK$110,500/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,490 · Scale 2, in force from 26 Feb 2026)