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$25,456
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,248
−HK$804/mo
Today · 4.125%
HK$27,052
baseline
▲ 0.50% · 4.625%
HK$28,698
+HK$1,646/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,104/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,319
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,079
−HK$770/mo
Today · 4.125%
HK$29,849
baseline
▲ 0.50% · 4.625%
HK$31,423
+HK$1,574/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,698/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,547
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,497
−HK$966/mo
Today · 4.125%
HK$32,463
baseline
▲ 0.50% · 4.625%
HK$34,438
+HK$1,975/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,926/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,983
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,895
−HK$924/mo
Today · 4.125%
HK$35,819
baseline
▲ 0.50% · 4.625%
HK$37,707
+HK$1,888/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,638/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,638
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,747
−HK$1,126/mo
Today · 4.125%
HK$37,873
baseline
▲ 0.50% · 4.625%
HK$40,178
+HK$2,305/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,746/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,647
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,711
−HK$1,078/mo
Today · 4.125%
HK$41,789
baseline
▲ 0.50% · 4.625%
HK$43,992
+HK$2,203/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,578/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,821
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$47,246
−HK$1,448/mo
Today · 4.125%
HK$48,694
baseline
▲ 0.50% · 4.625%
HK$51,657
+HK$2,963/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,388/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,975
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$52,342
−HK$1,387/mo
Today · 4.125%
HK$53,729
baseline
▲ 0.50% · 4.625%
HK$56,561
+HK$2,832/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,458/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,636 · Scale 2, in force from 26 Feb 2026)