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$25,656
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,454
−HK$811/mo
Today · 4.125%
HK$27,265
baseline
▲ 0.50% · 4.625%
HK$28,924
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,530/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,542
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$777/mo
Today · 4.125%
HK$30,084
baseline
▲ 0.50% · 4.625%
HK$31,670
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,168/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,787
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,745
−HK$973/mo
Today · 4.125%
HK$32,718
baseline
▲ 0.50% · 4.625%
HK$34,708
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,436/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,250
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,169
−HK$932/mo
Today · 4.125%
HK$36,101
baseline
▲ 0.50% · 4.625%
HK$38,004
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,202/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,918
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,035
−HK$1,136/mo
Today · 4.125%
HK$38,171
baseline
▲ 0.50% · 4.625%
HK$40,493
+HK$2,322/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,342/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,959
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,030
−HK$1,087/mo
Today · 4.125%
HK$42,117
baseline
▲ 0.50% · 4.625%
HK$44,338
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,234/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,180
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,617
−HK$1,459/mo
Today · 4.125%
HK$49,076
baseline
▲ 0.50% · 4.625%
HK$52,063
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,152/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,375
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,753
−HK$1,398/mo
Today · 4.125%
HK$54,151
baseline
▲ 0.50% · 4.625%
HK$57,005
+HK$2,854/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,302/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,924 · Scale 2, in force from 26 Feb 2026)