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$25,759
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,561
−HK$814/mo
Today · 4.125%
HK$27,375
baseline
▲ 0.50% · 4.625%
HK$29,040
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,750/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,657
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$779/mo
Today · 4.125%
HK$30,205
baseline
▲ 0.50% · 4.625%
HK$31,797
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,410/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,911
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,873
−HK$977/mo
Today · 4.125%
HK$32,850
baseline
▲ 0.50% · 4.625%
HK$34,848
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,700/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,388
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,311
−HK$935/mo
Today · 4.125%
HK$36,246
baseline
▲ 0.50% · 4.625%
HK$38,157
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,492/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,063
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,185
−HK$1,140/mo
Today · 4.125%
HK$38,325
baseline
▲ 0.50% · 4.625%
HK$40,657
+HK$2,332/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,650/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,120
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,196
−HK$1,091/mo
Today · 4.125%
HK$42,287
baseline
▲ 0.50% · 4.625%
HK$44,516
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,574/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,367
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,809
−HK$1,465/mo
Today · 4.125%
HK$49,274
baseline
▲ 0.50% · 4.625%
HK$52,273
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,548/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,583
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$52,966
−HK$1,404/mo
Today · 4.125%
HK$54,370
baseline
▲ 0.50% · 4.625%
HK$57,235
+HK$2,865/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,740/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,627 · Scale 2, in force from 26 Feb 2026)