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$25,915
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$26,721
−HK$819/mo
Today · 4.125%
HK$27,540
baseline
▲ 0.50% · 4.625%
HK$29,216
+HK$1,676/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$55,080/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,830
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,604
−HK$784/mo
Today · 4.125%
HK$30,388
baseline
▲ 0.50% · 4.625%
HK$31,990
+HK$1,602/mo
Deposit HK$5.68M · loan HK$5.68M · min. income ≈ HK$60,776/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,098
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,065
−HK$983/mo
Today · 4.125%
HK$33,048
baseline
▲ 0.50% · 4.625%
HK$35,059
+HK$2,011/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,096/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,596
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,524
−HK$942/mo
Today · 4.125%
HK$36,466
baseline
▲ 0.50% · 4.625%
HK$38,388
+HK$1,922/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,932/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$426,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,281
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,410
−HK$1,146/mo
Today · 4.125%
HK$38,556
baseline
▲ 0.50% · 4.625%
HK$40,902
+HK$2,346/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,112/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,362
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,445
−HK$1,098/mo
Today · 4.125%
HK$42,543
baseline
▲ 0.50% · 4.625%
HK$44,786
+HK$2,243/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,086/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,647
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$48,098
−HK$1,474/mo
Today · 4.125%
HK$49,572
baseline
▲ 0.50% · 4.625%
HK$52,589
+HK$3,017/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,144/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,895
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$53,286
−HK$1,412/mo
Today · 4.125%
HK$54,698
baseline
▲ 0.50% · 4.625%
HK$57,581
+HK$2,883/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,396/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,188 · Scale 2, in force from 26 Feb 2026)