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$25,518
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,312
−HK$807/mo
Today · 4.125%
HK$27,119
baseline
▲ 0.50% · 4.625%
HK$28,769
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,238/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,389
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,150
−HK$773/mo
Today · 4.125%
HK$29,923
baseline
▲ 0.50% · 4.625%
HK$31,500
+HK$1,577/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,846/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,622
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,575
−HK$967/mo
Today · 4.125%
HK$32,542
baseline
▲ 0.50% · 4.625%
HK$34,522
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$65,084/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,067
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,980
−HK$927/mo
Today · 4.125%
HK$35,907
baseline
▲ 0.50% · 4.625%
HK$37,800
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.71M · min. income ≈ HK$71,814/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,726
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,837
−HK$1,129/mo
Today · 4.125%
HK$37,966
baseline
▲ 0.50% · 4.625%
HK$40,276
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,932/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,744
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,810
−HK$1,082/mo
Today · 4.125%
HK$41,892
baseline
▲ 0.50% · 4.625%
HK$44,100
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,784/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,933
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$47,362
−HK$1,451/mo
Today · 4.125%
HK$48,813
baseline
▲ 0.50% · 4.625%
HK$51,784
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,626/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,100
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,470
−HK$1,391/mo
Today · 4.125%
HK$53,861
baseline
▲ 0.50% · 4.625%
HK$56,700
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,722/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,663 · Scale 2, in force from 26 Feb 2026)