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$25,379
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,169
−HK$802/mo
Today · 4.125%
HK$26,971
baseline
▲ 0.50% · 4.625%
HK$28,612
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,942/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$768/mo
Today · 4.125%
HK$29,759
baseline
▲ 0.50% · 4.625%
HK$31,328
+HK$1,569/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,518/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,455
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$963/mo
Today · 4.125%
HK$32,365
baseline
▲ 0.50% · 4.625%
HK$34,334
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,730/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,881
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,789
−HK$922/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,594
+HK$1,883/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,531
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,636
−HK$1,123/mo
Today · 4.125%
HK$37,759
baseline
▲ 0.50% · 4.625%
HK$40,056
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,518/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,528
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,588
−HK$1,075/mo
Today · 4.125%
HK$41,663
baseline
▲ 0.50% · 4.625%
HK$43,859
+HK$2,196/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,326/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,682
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$47,103
−HK$1,444/mo
Today · 4.125%
HK$48,547
baseline
▲ 0.50% · 4.625%
HK$51,501
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,094/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,821
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,184
−HK$1,383/mo
Today · 4.125%
HK$53,567
baseline
▲ 0.50% · 4.625%
HK$56,391
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,134/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,373 · Scale 2, in force from 26 Feb 2026)