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$25,865
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$26,669
−HK$818/mo
Today · 4.125%
HK$27,487
baseline
▲ 0.50% · 4.625%
HK$29,159
+HK$1,672/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$54,974/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,774
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$29,546
−HK$783/mo
Today · 4.125%
HK$30,329
baseline
▲ 0.50% · 4.625%
HK$31,927
+HK$1,598/mo
Deposit HK$5.67M · loan HK$5.67M · min. income ≈ HK$60,658/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$425,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,038
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,003
−HK$981/mo
Today · 4.125%
HK$32,984
baseline
▲ 0.50% · 4.625%
HK$34,991
+HK$2,007/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$65,968/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,529
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,455
−HK$939/mo
Today · 4.125%
HK$36,394
baseline
▲ 0.50% · 4.625%
HK$38,313
+HK$1,919/mo
Deposit HK$4.54M · loan HK$6.81M · min. income ≈ HK$72,788/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$425,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,210
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,337
−HK$1,144/mo
Today · 4.125%
HK$38,481
baseline
▲ 0.50% · 4.625%
HK$40,823
+HK$2,342/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$76,962/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,284
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,364
−HK$1,096/mo
Today · 4.125%
HK$42,460
baseline
▲ 0.50% · 4.625%
HK$44,698
+HK$2,238/mo
Deposit HK$3.40M · loan HK$7.94M · min. income ≈ HK$84,920/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$425,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,556
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$48,004
−HK$1,472/mo
Today · 4.125%
HK$49,476
baseline
▲ 0.50% · 4.625%
HK$52,486
+HK$3,010/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$98,952/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,793
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$53,182
−HK$1,410/mo
Today · 4.125%
HK$54,592
baseline
▲ 0.50% · 4.625%
HK$57,469
+HK$2,877/mo
Deposit HK$1.13M · loan HK$10.21M · min. income ≈ HK$109,184/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$425,357 · Scale 2, in force from 26 Feb 2026)