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$25,573
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,369
−HK$808/mo
Today · 4.125%
HK$27,177
baseline
▲ 0.50% · 4.625%
HK$28,831
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,354/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,450
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,213
−HK$774/mo
Today · 4.125%
HK$29,987
baseline
▲ 0.50% · 4.625%
HK$31,568
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,974/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,688
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,642
−HK$970/mo
Today · 4.125%
HK$32,612
baseline
▲ 0.50% · 4.625%
HK$34,597
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,224/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,140
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,056
−HK$928/mo
Today · 4.125%
HK$35,984
baseline
▲ 0.50% · 4.625%
HK$37,881
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,968/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,803
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,916
−HK$1,132/mo
Today · 4.125%
HK$38,048
baseline
▲ 0.50% · 4.625%
HK$40,363
+HK$2,315/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,096/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,830
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,898
−HK$1,084/mo
Today · 4.125%
HK$41,982
baseline
▲ 0.50% · 4.625%
HK$44,195
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,964/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,032
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,464
−HK$1,454/mo
Today · 4.125%
HK$48,918
baseline
▲ 0.50% · 4.625%
HK$51,895
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,836/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,210
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,583
−HK$1,394/mo
Today · 4.125%
HK$53,977
baseline
▲ 0.50% · 4.625%
HK$56,822
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,954/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,565 · Scale 2, in force from 26 Feb 2026)