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$25,853
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,658
−HK$817/mo
Today · 4.125%
HK$27,475
baseline
▲ 0.50% · 4.625%
HK$29,146
+HK$1,671/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,950/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,762
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$29,533
−HK$782/mo
Today · 4.125%
HK$30,315
baseline
▲ 0.50% · 4.625%
HK$31,913
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,630/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$425,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,024
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,989
−HK$980/mo
Today · 4.125%
HK$32,969
baseline
▲ 0.50% · 4.625%
HK$34,976
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$65,938/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,514
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,440
−HK$939/mo
Today · 4.125%
HK$36,379
baseline
▲ 0.50% · 4.625%
HK$38,296
+HK$1,917/mo
Deposit HK$4.54M · loan HK$6.80M · min. income ≈ HK$72,758/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,195
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,321
−HK$1,143/mo
Today · 4.125%
HK$38,464
baseline
▲ 0.50% · 4.625%
HK$40,805
+HK$2,341/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,928/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,266
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,346
−HK$1,096/mo
Today · 4.125%
HK$42,442
baseline
▲ 0.50% · 4.625%
HK$44,679
+HK$2,237/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,884/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,536
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$47,984
−HK$1,470/mo
Today · 4.125%
HK$49,454
baseline
▲ 0.50% · 4.625%
HK$52,463
+HK$3,009/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$98,908/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,771
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$53,159
−HK$1,409/mo
Today · 4.125%
HK$54,568
baseline
▲ 0.50% · 4.625%
HK$57,444
+HK$2,876/mo
Deposit HK$1.13M · loan HK$10.20M · min. income ≈ HK$109,136/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,172 · Scale 2, in force from 26 Feb 2026)