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$25,992
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$26,801
−HK$821/mo
Today · 4.125%
HK$27,622
baseline
▲ 0.50% · 4.625%
HK$29,303
+HK$1,681/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$55,244/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,916
−HK$1,563/mo
▼ 0.25% · 3.875%
HK$29,692
−HK$787/mo
Today · 4.125%
HK$30,479
baseline
▲ 0.50% · 4.625%
HK$32,085
+HK$1,606/mo
Deposit HK$5.70M · loan HK$5.70M · min. income ≈ HK$60,958/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$427,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,191
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,161
−HK$986/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$35,164
+HK$2,017/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,700
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,630
−HK$944/mo
Today · 4.125%
HK$36,574
baseline
▲ 0.50% · 4.625%
HK$38,502
+HK$1,928/mo
Deposit HK$4.56M · loan HK$6.84M · min. income ≈ HK$73,148/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$427,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,389
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,521
−HK$1,150/mo
Today · 4.125%
HK$38,671
baseline
▲ 0.50% · 4.625%
HK$41,025
+HK$2,354/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$77,342/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,483
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,569
−HK$1,101/mo
Today · 4.125%
HK$42,670
baseline
▲ 0.50% · 4.625%
HK$44,919
+HK$2,249/mo
Deposit HK$3.42M · loan HK$7.98M · min. income ≈ HK$85,340/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$427,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,786
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$48,242
−HK$1,478/mo
Today · 4.125%
HK$49,720
baseline
▲ 0.50% · 4.625%
HK$52,746
+HK$3,026/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$99,440/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,050
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$53,445
−HK$1,417/mo
Today · 4.125%
HK$54,862
baseline
▲ 0.50% · 4.625%
HK$57,753
+HK$2,891/mo
Deposit HK$1.14M · loan HK$10.26M · min. income ≈ HK$109,724/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,461 · Scale 2, in force from 26 Feb 2026)