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$25,709
−HK$1,612/mo
▼ 0.25% · 3.875%
HK$26,509
−HK$812/mo
Today · 4.125%
HK$27,321
baseline
▲ 0.50% · 4.625%
HK$28,984
+HK$1,663/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,642/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,601
−HK$1,545/mo
▼ 0.25% · 3.875%
HK$29,368
−HK$778/mo
Today · 4.125%
HK$30,146
baseline
▲ 0.50% · 4.625%
HK$31,735
+HK$1,589/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,292/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,851
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,810
−HK$975/mo
Today · 4.125%
HK$32,785
baseline
▲ 0.50% · 4.625%
HK$34,780
+HK$1,995/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,570/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,321
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,242
−HK$934/mo
Today · 4.125%
HK$36,176
baseline
▲ 0.50% · 4.625%
HK$38,082
+HK$1,906/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,352/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,993
−HK$2,257/mo
▼ 0.25% · 3.875%
HK$37,112
−HK$1,138/mo
Today · 4.125%
HK$38,250
baseline
▲ 0.50% · 4.625%
HK$40,577
+HK$2,327/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,500/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,041
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$41,115
−HK$1,090/mo
Today · 4.125%
HK$42,205
baseline
▲ 0.50% · 4.625%
HK$44,429
+HK$2,224/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,410/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$422,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,276
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$47,716
−HK$1,462/mo
Today · 4.125%
HK$49,178
baseline
▲ 0.50% · 4.625%
HK$52,171
+HK$2,993/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$98,356/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,482
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$52,863
−HK$1,400/mo
Today · 4.125%
HK$54,263
baseline
▲ 0.50% · 4.625%
HK$57,124
+HK$2,861/mo
Deposit HK$1.13M · loan HK$10.15M · min. income ≈ HK$108,526/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,799 · Scale 2, in force from 26 Feb 2026)