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$25,667
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$26,465
−HK$812/mo
Today · 4.125%
HK$27,277
baseline
▲ 0.50% · 4.625%
HK$28,936
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,554/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,554
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$777/mo
Today · 4.125%
HK$30,097
baseline
▲ 0.50% · 4.625%
HK$31,683
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,194/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,800
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,758
−HK$974/mo
Today · 4.125%
HK$32,732
baseline
▲ 0.50% · 4.625%
HK$34,723
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,464/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,265
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,184
−HK$932/mo
Today · 4.125%
HK$36,116
baseline
▲ 0.50% · 4.625%
HK$38,020
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,232/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,934
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,051
−HK$1,136/mo
Today · 4.125%
HK$38,187
baseline
▲ 0.50% · 4.625%
HK$40,511
+HK$2,324/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,374/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,976
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,048
−HK$1,088/mo
Today · 4.125%
HK$42,136
baseline
▲ 0.50% · 4.625%
HK$44,357
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,272/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,201
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,638
−HK$1,460/mo
Today · 4.125%
HK$49,098
baseline
▲ 0.50% · 4.625%
HK$52,085
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,196/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,398
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,776
−HK$1,398/mo
Today · 4.125%
HK$54,174
baseline
▲ 0.50% · 4.625%
HK$57,030
+HK$2,856/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,348/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,107 · Scale 2, in force from 26 Feb 2026)