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$1,627/mo
▼ 0.25% · 3.875%
HK$26,750
−HK$820/mo
Today · 4.125%
HK$27,570
baseline
▲ 0.50% · 4.625%
HK$29,247
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,140/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$426,644 · 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$426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,131
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,100
−HK$984/mo
Today · 4.125%
HK$33,084
baseline
▲ 0.50% · 4.625%
HK$35,097
+HK$2,013/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$66,168/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,633
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$943/mo
Today · 4.125%
HK$36,505
baseline
▲ 0.50% · 4.625%
HK$38,429
+HK$1,924/mo
Deposit HK$4.55M · loan HK$6.83M · min. income ≈ HK$73,010/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,450
−HK$1,148/mo
Today · 4.125%
HK$38,598
baseline
▲ 0.50% · 4.625%
HK$40,946
+HK$2,348/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,196/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,406
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,489
−HK$1,100/mo
Today · 4.125%
HK$42,589
baseline
▲ 0.50% · 4.625%
HK$44,834
+HK$2,245/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,178/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,697
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$48,150
−HK$1,475/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$426,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,950
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$53,343
−HK$1,414/mo
Today · 4.125%
HK$54,757
baseline
▲ 0.50% · 4.625%
HK$57,643
+HK$2,886/mo
Deposit HK$1.14M · loan HK$10.24M · min. income ≈ HK$109,514/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,644 · Scale 2, in force from 26 Feb 2026)