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$26,336
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,156
−HK$832/mo
Today · 4.125%
HK$27,988
baseline
▲ 0.50% · 4.625%
HK$29,691
+HK$1,703/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$55,976/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,299
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,085
−HK$797/mo
Today · 4.125%
HK$30,882
baseline
▲ 0.50% · 4.625%
HK$32,510
+HK$1,628/mo
Deposit HK$5.77M · loan HK$5.77M · min. income ≈ HK$61,764/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$433,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,604
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,587
−HK$999/mo
Today · 4.125%
HK$33,586
baseline
▲ 0.50% · 4.625%
HK$35,629
+HK$2,043/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$67,172/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,159
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,102
−HK$956/mo
Today · 4.125%
HK$37,058
baseline
▲ 0.50% · 4.625%
HK$39,012
+HK$1,954/mo
Deposit HK$4.62M · loan HK$6.93M · min. income ≈ HK$74,116/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$433,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,871
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,018
−HK$1,165/mo
Today · 4.125%
HK$39,183
baseline
▲ 0.50% · 4.625%
HK$41,567
+HK$2,384/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$78,366/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,019
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,119
−HK$1,116/mo
Today · 4.125%
HK$43,235
baseline
▲ 0.50% · 4.625%
HK$45,514
+HK$2,279/mo
Deposit HK$3.46M · loan HK$8.08M · min. income ≈ HK$86,470/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$433,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,406
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,880
−HK$1,498/mo
Today · 4.125%
HK$50,378
baseline
▲ 0.50% · 4.625%
HK$53,444
+HK$3,066/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$100,756/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,738
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,153
−HK$1,435/mo
Today · 4.125%
HK$55,588
baseline
▲ 0.50% · 4.625%
HK$58,518
+HK$2,930/mo
Deposit HK$1.15M · loan HK$10.39M · min. income ≈ HK$111,176/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$433,117 · Scale 2, in force from 26 Feb 2026)