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$25,363
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,152
−HK$802/mo
Today · 4.125%
HK$26,954
baseline
▲ 0.50% · 4.625%
HK$28,594
+HK$1,640/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,908/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,216
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,973
−HK$768/mo
Today · 4.125%
HK$29,741
baseline
▲ 0.50% · 4.625%
HK$31,309
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,482/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,436
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,383
−HK$962/mo
Today · 4.125%
HK$32,345
baseline
▲ 0.50% · 4.625%
HK$34,313
+HK$1,968/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$64,690/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,860
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,768
−HK$921/mo
Today · 4.125%
HK$35,689
baseline
▲ 0.50% · 4.625%
HK$37,570
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.67M · min. income ≈ HK$71,378/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,509
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$36,613
−HK$1,122/mo
Today · 4.125%
HK$37,735
baseline
▲ 0.50% · 4.625%
HK$40,031
+HK$2,296/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,470/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,503
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$40,562
−HK$1,075/mo
Today · 4.125%
HK$41,637
baseline
▲ 0.50% · 4.625%
HK$43,832
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,274/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,654
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,074
−HK$1,443/mo
Today · 4.125%
HK$48,517
baseline
▲ 0.50% · 4.625%
HK$51,469
+HK$2,952/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,034/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,789
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,152
−HK$1,381/mo
Today · 4.125%
HK$53,533
baseline
▲ 0.50% · 4.625%
HK$56,355
+HK$2,822/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,066/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,113 · Scale 2, in force from 26 Feb 2026)