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$25,824
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$26,628
−HK$816/mo
Today · 4.125%
HK$27,444
baseline
▲ 0.50% · 4.625%
HK$29,114
+HK$1,670/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$54,888/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,729
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$29,500
−HK$781/mo
Today · 4.125%
HK$30,281
baseline
▲ 0.50% · 4.625%
HK$31,878
+HK$1,597/mo
Deposit HK$5.66M · loan HK$5.66M · min. income ≈ HK$60,562/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$424,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,989
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,953
−HK$979/mo
Today · 4.125%
HK$32,932
baseline
▲ 0.50% · 4.625%
HK$34,936
+HK$2,004/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$65,864/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,475
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,400
−HK$938/mo
Today · 4.125%
HK$36,338
baseline
▲ 0.50% · 4.625%
HK$38,253
+HK$1,915/mo
Deposit HK$4.53M · loan HK$6.80M · min. income ≈ HK$72,676/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,154
−HK$2,267/mo
▼ 0.25% · 3.875%
HK$37,279
−HK$1,142/mo
Today · 4.125%
HK$38,421
baseline
▲ 0.50% · 4.625%
HK$40,759
+HK$2,338/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$76,842/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,221
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,300
−HK$1,094/mo
Today · 4.125%
HK$42,394
baseline
▲ 0.50% · 4.625%
HK$44,629
+HK$2,235/mo
Deposit HK$3.40M · loan HK$7.93M · min. income ≈ HK$84,788/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,484
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$47,930
−HK$1,469/mo
Today · 4.125%
HK$49,399
baseline
▲ 0.50% · 4.625%
HK$52,404
+HK$3,005/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$98,798/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,713
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$53,099
−HK$1,407/mo
Today · 4.125%
HK$54,506
baseline
▲ 0.50% · 4.625%
HK$57,380
+HK$2,874/mo
Deposit HK$1.13M · loan HK$10.19M · min. income ≈ HK$109,012/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$424,693 · Scale 2, in force from 26 Feb 2026)