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$25,943
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,750
−HK$819/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,247
+HK$1,678/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,861
−HK$1,559/mo
▼ 0.25% · 3.875%
HK$29,635
−HK$785/mo
Today · 4.125%
HK$30,420
baseline
▲ 0.50% · 4.625%
HK$32,024
+HK$1,604/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,840/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,131
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,099
−HK$984/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$35,096
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,633
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$942/mo
Today · 4.125%
HK$36,504
baseline
▲ 0.50% · 4.625%
HK$38,428
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,008/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$1,148/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,946
+HK$2,349/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,405
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,489
−HK$1,099/mo
Today · 4.125%
HK$42,588
baseline
▲ 0.50% · 4.625%
HK$44,833
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,176/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,697
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,149
−HK$1,476/mo
Today · 4.125%
HK$49,625
baseline
▲ 0.50% · 4.625%
HK$52,645
+HK$3,020/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$99,250/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,950
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$53,343
−HK$1,413/mo
Today · 4.125%
HK$54,756
baseline
▲ 0.50% · 4.625%
HK$57,643
+HK$2,887/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,512/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,640 · Scale 2, in force from 26 Feb 2026)