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$26,199
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$27,014
−HK$828/mo
Today · 4.125%
HK$27,842
baseline
▲ 0.50% · 4.625%
HK$29,536
+HK$1,694/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$55,684/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,147
−HK$1,574/mo
▼ 0.25% · 3.875%
HK$29,928
−HK$793/mo
Today · 4.125%
HK$30,721
baseline
▲ 0.50% · 4.625%
HK$32,341
+HK$1,620/mo
Deposit HK$5.74M · loan HK$5.74M · min. income ≈ HK$61,442/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$430,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,439
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,417
−HK$994/mo
Today · 4.125%
HK$33,411
baseline
▲ 0.50% · 4.625%
HK$35,444
+HK$2,033/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$66,822/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,976
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,914
−HK$952/mo
Today · 4.125%
HK$36,866
baseline
▲ 0.50% · 4.625%
HK$38,809
+HK$1,943/mo
Deposit HK$4.60M · loan HK$6.89M · min. income ≈ HK$73,732/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$430,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,679
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,820
−HK$1,159/mo
Today · 4.125%
HK$38,979
baseline
▲ 0.50% · 4.625%
HK$41,351
+HK$2,372/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$77,958/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,805
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,900
−HK$1,110/mo
Today · 4.125%
HK$43,010
baseline
▲ 0.50% · 4.625%
HK$45,277
+HK$2,267/mo
Deposit HK$3.45M · loan HK$8.04M · min. income ≈ HK$86,020/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$430,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,159
−HK$2,957/mo
▼ 0.25% · 3.875%
HK$48,626
−HK$1,490/mo
Today · 4.125%
HK$50,116
baseline
▲ 0.50% · 4.625%
HK$53,166
+HK$3,050/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$100,232/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,464
−HK$2,834/mo
▼ 0.25% · 3.875%
HK$53,871
−HK$1,427/mo
Today · 4.125%
HK$55,298
baseline
▲ 0.50% · 4.625%
HK$58,213
+HK$2,915/mo
Deposit HK$1.15M · loan HK$10.34M · min. income ≈ HK$110,596/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$430,863 · Scale 2, in force from 26 Feb 2026)