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$25,597
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,393
−HK$809/mo
Today · 4.125%
HK$27,202
baseline
▲ 0.50% · 4.625%
HK$28,858
+HK$1,656/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,404/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,477
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,240
−HK$775/mo
Today · 4.125%
HK$30,015
baseline
▲ 0.50% · 4.625%
HK$31,597
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,030/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,717
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,672
−HK$971/mo
Today · 4.125%
HK$32,643
baseline
▲ 0.50% · 4.625%
HK$34,629
+HK$1,986/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,286/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,172
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,088
−HK$930/mo
Today · 4.125%
HK$36,018
baseline
▲ 0.50% · 4.625%
HK$37,917
+HK$1,899/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,036/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,836
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,951
−HK$1,132/mo
Today · 4.125%
HK$38,083
baseline
▲ 0.50% · 4.625%
HK$40,401
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,166/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,867
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,937
−HK$1,084/mo
Today · 4.125%
HK$42,021
baseline
▲ 0.50% · 4.625%
HK$44,236
+HK$2,215/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,042/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,075
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$47,508
−HK$1,456/mo
Today · 4.125%
HK$48,964
baseline
▲ 0.50% · 4.625%
HK$51,944
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,928/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,258
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$52,633
−HK$1,394/mo
Today · 4.125%
HK$54,027
baseline
▲ 0.50% · 4.625%
HK$56,875
+HK$2,848/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,054/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,960 · Scale 2, in force from 26 Feb 2026)