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$25,398
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$26,188
−HK$803/mo
Today · 4.125%
HK$26,991
baseline
▲ 0.50% · 4.625%
HK$28,633
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,982/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,255
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,013
−HK$769/mo
Today · 4.125%
HK$29,782
baseline
▲ 0.50% · 4.625%
HK$31,351
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,564/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,478
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,426
−HK$963/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,360
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,906
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,815
−HK$923/mo
Today · 4.125%
HK$35,738
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,476/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,557
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,663
−HK$1,124/mo
Today · 4.125%
HK$37,787
baseline
▲ 0.50% · 4.625%
HK$40,086
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,574/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,557
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,618
−HK$1,076/mo
Today · 4.125%
HK$41,694
baseline
▲ 0.50% · 4.625%
HK$43,892
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,388/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,716
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,138
−HK$1,445/mo
Today · 4.125%
HK$48,583
baseline
▲ 0.50% · 4.625%
HK$51,539
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,166/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,859
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,223
−HK$1,384/mo
Today · 4.125%
HK$53,607
baseline
▲ 0.50% · 4.625%
HK$56,433
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,214/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,684 · Scale 2, in force from 26 Feb 2026)