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$25,522
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$26,316
−HK$806/mo
Today · 4.125%
HK$27,122
baseline
▲ 0.50% · 4.625%
HK$28,772
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,244/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,393
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,154
−HK$773/mo
Today · 4.125%
HK$29,927
baseline
▲ 0.50% · 4.625%
HK$31,504
+HK$1,577/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,854/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,626
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,579
−HK$968/mo
Today · 4.125%
HK$32,547
baseline
▲ 0.50% · 4.625%
HK$34,527
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,094/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,071
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,985
−HK$927/mo
Today · 4.125%
HK$35,912
baseline
▲ 0.50% · 4.625%
HK$37,805
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,824/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,730
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,842
−HK$1,129/mo
Today · 4.125%
HK$37,971
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,310/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,942/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,750
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,816
−HK$1,081/mo
Today · 4.125%
HK$41,897
baseline
▲ 0.50% · 4.625%
HK$44,106
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,794/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,939
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$47,368
−HK$1,452/mo
Today · 4.125%
HK$48,820
baseline
▲ 0.50% · 4.625%
HK$51,790
+HK$2,970/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,640/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,107
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$52,477
−HK$1,391/mo
Today · 4.125%
HK$53,868
baseline
▲ 0.50% · 4.625%
HK$56,707
+HK$2,839/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,736/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,718 · Scale 2, in force from 26 Feb 2026)