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$25,342
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,130
−HK$801/mo
Today · 4.125%
HK$26,931
baseline
▲ 0.50% · 4.625%
HK$28,570
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,862/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,192
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,948
−HK$768/mo
Today · 4.125%
HK$29,716
baseline
▲ 0.50% · 4.625%
HK$31,282
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,432/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,410
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,356
−HK$961/mo
Today · 4.125%
HK$32,317
baseline
▲ 0.50% · 4.625%
HK$34,283
+HK$1,966/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,634/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,831
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,738
−HK$921/mo
Today · 4.125%
HK$35,659
baseline
▲ 0.50% · 4.625%
HK$37,538
+HK$1,879/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,318/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,478
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,582
−HK$1,121/mo
Today · 4.125%
HK$37,703
baseline
▲ 0.50% · 4.625%
HK$39,997
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,406/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,469
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,528
−HK$1,074/mo
Today · 4.125%
HK$41,602
baseline
▲ 0.50% · 4.625%
HK$43,795
+HK$2,193/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,204/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,615
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,034
−HK$1,442/mo
Today · 4.125%
HK$48,476
baseline
▲ 0.50% · 4.625%
HK$51,425
+HK$2,949/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,952/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,746
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,107
−HK$1,381/mo
Today · 4.125%
HK$53,488
baseline
▲ 0.50% · 4.625%
HK$56,307
+HK$2,819/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,976/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,758 · Scale 2, in force from 26 Feb 2026)