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$25,395
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$802/mo
Today · 4.125%
HK$26,987
baseline
▲ 0.50% · 4.625%
HK$28,629
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,974/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,251
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,009
−HK$769/mo
Today · 4.125%
HK$29,778
baseline
▲ 0.50% · 4.625%
HK$31,347
+HK$1,569/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,556/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,474
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,422
−HK$963/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,355
+HK$1,970/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,902
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,811
−HK$922/mo
Today · 4.125%
HK$35,733
baseline
▲ 0.50% · 4.625%
HK$37,617
+HK$1,884/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,466/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,553
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,659
−HK$1,123/mo
Today · 4.125%
HK$37,782
baseline
▲ 0.50% · 4.625%
HK$40,081
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,564/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,552
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,613
−HK$1,076/mo
Today · 4.125%
HK$41,689
baseline
▲ 0.50% · 4.625%
HK$43,886
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,378/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,711
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$47,132
−HK$1,445/mo
Today · 4.125%
HK$48,577
baseline
▲ 0.50% · 4.625%
HK$51,533
+HK$2,956/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,154/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,853
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$52,216
−HK$1,384/mo
Today · 4.125%
HK$53,600
baseline
▲ 0.50% · 4.625%
HK$56,425
+HK$2,825/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,200/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,631 · Scale 2, in force from 26 Feb 2026)