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$25,734
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$26,534
−HK$813/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$29,012
+HK$1,665/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,629
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$779/mo
Today · 4.125%
HK$30,175
baseline
▲ 0.50% · 4.625%
HK$31,766
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,350/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,881
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,841
−HK$976/mo
Today · 4.125%
HK$32,817
baseline
▲ 0.50% · 4.625%
HK$34,814
+HK$1,997/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$65,634/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,354
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,276
−HK$934/mo
Today · 4.125%
HK$36,210
baseline
▲ 0.50% · 4.625%
HK$38,119
+HK$1,909/mo
Deposit HK$4.51M · loan HK$6.77M · min. income ≈ HK$72,420/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,027
−HK$2,259/mo
▼ 0.25% · 3.875%
HK$37,148
−HK$1,138/mo
Today · 4.125%
HK$38,286
baseline
▲ 0.50% · 4.625%
HK$40,616
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,572/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,080
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$41,155
−HK$1,090/mo
Today · 4.125%
HK$42,245
baseline
▲ 0.50% · 4.625%
HK$44,472
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,490/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,321
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$47,762
−HK$1,463/mo
Today · 4.125%
HK$49,225
baseline
▲ 0.50% · 4.625%
HK$52,221
+HK$2,996/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,450/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,531
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$52,913
−HK$1,402/mo
Today · 4.125%
HK$54,315
baseline
▲ 0.50% · 4.625%
HK$57,179
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,630/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,206 · Scale 2, in force from 26 Feb 2026)