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$25,426
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,217
−HK$803/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,644/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,286
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$29,044
−HK$770/mo
Today · 4.125%
HK$29,814
baseline
▲ 0.50% · 4.625%
HK$31,386
+HK$1,572/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,628/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$418,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,511
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,460
−HK$964/mo
Today · 4.125%
HK$32,424
baseline
▲ 0.50% · 4.625%
HK$34,397
+HK$1,973/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$64,848/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,943
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,853
−HK$924/mo
Today · 4.125%
HK$35,777
baseline
▲ 0.50% · 4.625%
HK$37,663
+HK$1,886/mo
Deposit HK$4.46M · loan HK$6.69M · min. income ≈ HK$71,554/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,596
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,703
−HK$1,125/mo
Today · 4.125%
HK$37,828
baseline
▲ 0.50% · 4.625%
HK$40,130
+HK$2,302/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,656/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,600
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,662
−HK$1,078/mo
Today · 4.125%
HK$41,740
baseline
▲ 0.50% · 4.625%
HK$43,940
+HK$2,200/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,480/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$418,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,766
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$47,190
−HK$1,446/mo
Today · 4.125%
HK$48,636
baseline
▲ 0.50% · 4.625%
HK$51,596
+HK$2,960/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,272/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,915
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$52,280
−HK$1,385/mo
Today · 4.125%
HK$53,665
baseline
▲ 0.50% · 4.625%
HK$56,494
+HK$2,829/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,330/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,140 · Scale 2, in force from 26 Feb 2026)