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$25,478
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$805/mo
Today · 4.125%
HK$27,076
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,647/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,152/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,344
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,104
−HK$772/mo
Today · 4.125%
HK$29,876
baseline
▲ 0.50% · 4.625%
HK$31,450
+HK$1,574/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,752/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,574
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$966/mo
Today · 4.125%
HK$32,491
baseline
▲ 0.50% · 4.625%
HK$34,468
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,982/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,013
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,925
−HK$926/mo
Today · 4.125%
HK$35,851
baseline
▲ 0.50% · 4.625%
HK$37,741
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,702/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,670
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,779
−HK$1,127/mo
Today · 4.125%
HK$37,906
baseline
▲ 0.50% · 4.625%
HK$40,213
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,812/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,682
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,746
−HK$1,080/mo
Today · 4.125%
HK$41,826
baseline
▲ 0.50% · 4.625%
HK$44,031
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,652/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,861
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,287
−HK$1,450/mo
Today · 4.125%
HK$48,737
baseline
▲ 0.50% · 4.625%
HK$51,702
+HK$2,965/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,474/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,020
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,388
−HK$1,388/mo
Today · 4.125%
HK$53,776
baseline
▲ 0.50% · 4.625%
HK$56,611
+HK$2,835/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,552/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,003 · Scale 2, in force from 26 Feb 2026)