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$25,297
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$26,083
−HK$800/mo
Today · 4.125%
HK$26,883
baseline
▲ 0.50% · 4.625%
HK$28,519
+HK$1,636/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,766/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,142
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$28,897
−HK$766/mo
Today · 4.125%
HK$29,663
baseline
▲ 0.50% · 4.625%
HK$31,226
+HK$1,563/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,326/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$416,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,356
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,300
−HK$959/mo
Today · 4.125%
HK$32,259
baseline
▲ 0.50% · 4.625%
HK$34,222
+HK$1,963/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,518/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,771
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,676
−HK$919/mo
Today · 4.125%
HK$35,595
baseline
▲ 0.50% · 4.625%
HK$37,471
+HK$1,876/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,190/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$416,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,415
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$36,517
−HK$1,119/mo
Today · 4.125%
HK$37,636
baseline
▲ 0.50% · 4.625%
HK$39,926
+HK$2,290/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,272/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,399
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$40,456
−HK$1,072/mo
Today · 4.125%
HK$41,528
baseline
▲ 0.50% · 4.625%
HK$43,717
+HK$2,189/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,056/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$416,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,534
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,950
−HK$1,439/mo
Today · 4.125%
HK$48,389
baseline
▲ 0.50% · 4.625%
HK$51,333
+HK$2,944/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$96,778/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,656
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,014
−HK$1,379/mo
Today · 4.125%
HK$53,393
baseline
▲ 0.50% · 4.625%
HK$56,207
+HK$2,814/mo
Deposit HK$1.11M · loan HK$9.98M · min. income ≈ HK$106,786/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,015 · Scale 2, in force from 26 Feb 2026)