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$25,320
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$26,108
−HK$800/mo
Today · 4.125%
HK$26,908
baseline
▲ 0.50% · 4.625%
HK$28,545
+HK$1,637/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$53,816/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,168
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$28,924
−HK$766/mo
Today · 4.125%
HK$29,690
baseline
▲ 0.50% · 4.625%
HK$31,255
+HK$1,565/mo
Deposit HK$5.55M · loan HK$5.55M · min. income ≈ HK$59,380/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,384
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$31,329
−HK$960/mo
Today · 4.125%
HK$32,289
baseline
▲ 0.50% · 4.625%
HK$34,254
+HK$1,965/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$64,578/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,802
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$34,709
−HK$919/mo
Today · 4.125%
HK$35,628
baseline
▲ 0.50% · 4.625%
HK$37,506
+HK$1,878/mo
Deposit HK$4.44M · loan HK$6.66M · min. income ≈ HK$71,256/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,448
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$36,551
−HK$1,120/mo
Today · 4.125%
HK$37,671
baseline
▲ 0.50% · 4.625%
HK$39,963
+HK$2,292/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$75,342/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,436
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$40,493
−HK$1,073/mo
Today · 4.125%
HK$41,566
baseline
▲ 0.50% · 4.625%
HK$43,757
+HK$2,191/mo
Deposit HK$3.33M · loan HK$7.77M · min. income ≈ HK$83,132/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,576
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$46,994
−HK$1,440/mo
Today · 4.125%
HK$48,434
baseline
▲ 0.50% · 4.625%
HK$51,381
+HK$2,947/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$96,868/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,703
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,063
−HK$1,379/mo
Today · 4.125%
HK$53,442
baseline
▲ 0.50% · 4.625%
HK$56,259
+HK$2,817/mo
Deposit HK$1.11M · loan HK$9.99M · min. income ≈ HK$106,884/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,403 · Scale 2, in force from 26 Feb 2026)