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$25,781
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,582
−HK$815/mo
Today · 4.125%
HK$27,397
baseline
▲ 0.50% · 4.625%
HK$29,064
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,794/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,450
−HK$780/mo
Today · 4.125%
HK$30,230
baseline
▲ 0.50% · 4.625%
HK$31,824
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,460/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,937
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,899
−HK$978/mo
Today · 4.125%
HK$32,877
baseline
▲ 0.50% · 4.625%
HK$34,877
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,754/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,417
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,340
−HK$936/mo
Today · 4.125%
HK$36,276
baseline
▲ 0.50% · 4.625%
HK$38,188
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,552/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$423,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,093
−HK$2,263/mo
▼ 0.25% · 3.875%
HK$37,215
−HK$1,141/mo
Today · 4.125%
HK$38,356
baseline
▲ 0.50% · 4.625%
HK$40,690
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,712/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,153
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,230
−HK$1,092/mo
Today · 4.125%
HK$42,322
baseline
▲ 0.50% · 4.625%
HK$44,553
+HK$2,231/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,644/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$423,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,405
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$47,848
−HK$1,467/mo
Today · 4.125%
HK$49,315
baseline
▲ 0.50% · 4.625%
HK$52,316
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,630/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,625
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$53,010
−HK$1,404/mo
Today · 4.125%
HK$54,414
baseline
▲ 0.50% · 4.625%
HK$57,282
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,828/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,974 · Scale 2, in force from 26 Feb 2026)