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$25,931
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$26,737
−HK$820/mo
Today · 4.125%
HK$27,557
baseline
▲ 0.50% · 4.625%
HK$29,234
+HK$1,677/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,114/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,848
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$29,621
−HK$785/mo
Today · 4.125%
HK$30,406
baseline
▲ 0.50% · 4.625%
HK$32,009
+HK$1,603/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,812/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$426,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,117
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,085
−HK$983/mo
Today · 4.125%
HK$33,068
baseline
▲ 0.50% · 4.625%
HK$35,080
+HK$2,012/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$66,136/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,617
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,546
−HK$942/mo
Today · 4.125%
HK$36,488
baseline
▲ 0.50% · 4.625%
HK$38,411
+HK$1,923/mo
Deposit HK$4.55M · loan HK$6.82M · min. income ≈ HK$72,976/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$426,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,303
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,432
−HK$1,148/mo
Today · 4.125%
HK$38,580
baseline
▲ 0.50% · 4.625%
HK$40,927
+HK$2,347/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$77,160/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,387
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,470
−HK$1,099/mo
Today · 4.125%
HK$42,569
baseline
▲ 0.50% · 4.625%
HK$44,813
+HK$2,244/mo
Deposit HK$3.41M · loan HK$7.96M · min. income ≈ HK$85,138/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$426,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,676
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$48,127
−HK$1,475/mo
Today · 4.125%
HK$49,602
baseline
▲ 0.50% · 4.625%
HK$52,621
+HK$3,019/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$99,204/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,926
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$53,319
−HK$1,412/mo
Today · 4.125%
HK$54,731
baseline
▲ 0.50% · 4.625%
HK$57,616
+HK$2,885/mo
Deposit HK$1.14M · loan HK$10.23M · min. income ≈ HK$109,462/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$426,447 · Scale 2, in force from 26 Feb 2026)