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$25,744
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,545
−HK$814/mo
Today · 4.125%
HK$27,359
baseline
▲ 0.50% · 4.625%
HK$29,023
+HK$1,664/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,718/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,640
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,408
−HK$780/mo
Today · 4.125%
HK$30,188
baseline
▲ 0.50% · 4.625%
HK$31,779
+HK$1,591/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,376/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,893
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,854
−HK$976/mo
Today · 4.125%
HK$32,830
baseline
▲ 0.50% · 4.625%
HK$34,828
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,660/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,368
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,290
−HK$935/mo
Today · 4.125%
HK$36,225
baseline
▲ 0.50% · 4.625%
HK$38,135
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,450/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,042
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,163
−HK$1,139/mo
Today · 4.125%
HK$38,302
baseline
▲ 0.50% · 4.625%
HK$40,633
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,604/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,096
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,172
−HK$1,091/mo
Today · 4.125%
HK$42,263
baseline
▲ 0.50% · 4.625%
HK$44,490
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,526/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,340
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,781
−HK$1,465/mo
Today · 4.125%
HK$49,246
baseline
▲ 0.50% · 4.625%
HK$52,242
+HK$2,996/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,492/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,553
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,935
−HK$1,403/mo
Today · 4.125%
HK$54,338
baseline
▲ 0.50% · 4.625%
HK$57,202
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,676/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,380 · Scale 2, in force from 26 Feb 2026)