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$25,379
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,168
−HK$802/mo
Today · 4.125%
HK$26,970
baseline
▲ 0.50% · 4.625%
HK$28,611
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,940/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,991
−HK$768/mo
Today · 4.125%
HK$29,759
baseline
▲ 0.50% · 4.625%
HK$31,328
+HK$1,569/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,518/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,454
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$962/mo
Today · 4.125%
HK$32,364
baseline
▲ 0.50% · 4.625%
HK$34,333
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,728/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,880
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,789
−HK$922/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,593
+HK$1,882/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,530
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$36,635
−HK$1,123/mo
Today · 4.125%
HK$37,758
baseline
▲ 0.50% · 4.625%
HK$40,056
+HK$2,298/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,516/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,527
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,587
−HK$1,075/mo
Today · 4.125%
HK$41,662
baseline
▲ 0.50% · 4.625%
HK$43,859
+HK$2,197/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,324/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,682
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,103
−HK$1,443/mo
Today · 4.125%
HK$48,546
baseline
▲ 0.50% · 4.625%
HK$51,500
+HK$2,954/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$97,092/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,820
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$52,183
−HK$1,383/mo
Today · 4.125%
HK$53,566
baseline
▲ 0.50% · 4.625%
HK$56,390
+HK$2,824/mo
Deposit HK$1.11M · loan HK$10.02M · min. income ≈ HK$107,132/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,366 · Scale 2, in force from 26 Feb 2026)