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$25,480
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$26,272
−HK$805/mo
Today · 4.125%
HK$27,077
baseline
▲ 0.50% · 4.625%
HK$28,725
+HK$1,648/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,154/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,346
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,106
−HK$771/mo
Today · 4.125%
HK$29,877
baseline
▲ 0.50% · 4.625%
HK$31,452
+HK$1,575/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,754/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,576
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,527
−HK$966/mo
Today · 4.125%
HK$32,493
baseline
▲ 0.50% · 4.625%
HK$34,470
+HK$1,977/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,986/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,015
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,927
−HK$926/mo
Today · 4.125%
HK$35,853
baseline
▲ 0.50% · 4.625%
HK$37,743
+HK$1,890/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,706/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,671
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,781
−HK$1,127/mo
Today · 4.125%
HK$37,908
baseline
▲ 0.50% · 4.625%
HK$40,215
+HK$2,307/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,816/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,684
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,748
−HK$1,080/mo
Today · 4.125%
HK$41,828
baseline
▲ 0.50% · 4.625%
HK$44,033
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,656/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,863
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,290
−HK$1,449/mo
Today · 4.125%
HK$48,739
baseline
▲ 0.50% · 4.625%
HK$51,705
+HK$2,966/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,478/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,022
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$52,391
−HK$1,388/mo
Today · 4.125%
HK$53,779
baseline
▲ 0.50% · 4.625%
HK$56,614
+HK$2,835/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,558/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,026 · Scale 2, in force from 26 Feb 2026)