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$25,344
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$26,132
−HK$801/mo
Today · 4.125%
HK$26,933
baseline
▲ 0.50% · 4.625%
HK$28,572
+HK$1,639/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,866/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,194
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$28,951
−HK$767/mo
Today · 4.125%
HK$29,718
baseline
▲ 0.50% · 4.625%
HK$31,284
+HK$1,566/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,436/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$416,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,412
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,358
−HK$961/mo
Today · 4.125%
HK$32,319
baseline
▲ 0.50% · 4.625%
HK$34,286
+HK$1,967/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,638/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,833
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,741
−HK$920/mo
Today · 4.125%
HK$35,661
baseline
▲ 0.50% · 4.625%
HK$37,541
+HK$1,880/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,322/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$416,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,481
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$36,585
−HK$1,121/mo
Today · 4.125%
HK$37,706
baseline
▲ 0.50% · 4.625%
HK$40,000
+HK$2,294/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$75,412/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,472
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$40,531
−HK$1,074/mo
Today · 4.125%
HK$41,605
baseline
▲ 0.50% · 4.625%
HK$43,798
+HK$2,193/mo
Deposit HK$3.33M · loan HK$7.78M · min. income ≈ HK$83,210/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$416,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,618
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$47,037
−HK$1,442/mo
Today · 4.125%
HK$48,479
baseline
▲ 0.50% · 4.625%
HK$51,429
+HK$2,950/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$96,958/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,750
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$52,111
−HK$1,381/mo
Today · 4.125%
HK$53,492
baseline
▲ 0.50% · 4.625%
HK$56,312
+HK$2,820/mo
Deposit HK$1.11M · loan HK$10.00M · min. income ≈ HK$106,984/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$416,788 · Scale 2, in force from 26 Feb 2026)