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$25,576
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,372
−HK$808/mo
Today · 4.125%
HK$27,180
baseline
▲ 0.50% · 4.625%
HK$28,834
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,360/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,453
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,217
−HK$774/mo
Today · 4.125%
HK$29,991
baseline
▲ 0.50% · 4.625%
HK$31,572
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,982/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,692
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,646
−HK$970/mo
Today · 4.125%
HK$32,616
baseline
▲ 0.50% · 4.625%
HK$34,601
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,232/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,144
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,060
−HK$929/mo
Today · 4.125%
HK$35,989
baseline
▲ 0.50% · 4.625%
HK$37,886
+HK$1,897/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,978/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,807
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,921
−HK$1,131/mo
Today · 4.125%
HK$38,052
baseline
▲ 0.50% · 4.625%
HK$40,368
+HK$2,316/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$76,104/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,835
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,903
−HK$1,084/mo
Today · 4.125%
HK$41,987
baseline
▲ 0.50% · 4.625%
HK$44,200
+HK$2,213/mo
Deposit HK$3.36M · loan HK$7.85M · min. income ≈ HK$83,974/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,038
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$47,470
−HK$1,454/mo
Today · 4.125%
HK$48,924
baseline
▲ 0.50% · 4.625%
HK$51,901
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$97,848/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,216
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,590
−HK$1,393/mo
Today · 4.125%
HK$53,983
baseline
▲ 0.50% · 4.625%
HK$56,829
+HK$2,846/mo
Deposit HK$1.12M · loan HK$10.09M · min. income ≈ HK$107,966/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,618 · Scale 2, in force from 26 Feb 2026)