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$25,369
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,158
−HK$802/mo
Today · 4.125%
HK$26,960
baseline
▲ 0.50% · 4.625%
HK$28,601
+HK$1,641/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$53,920/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,223
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$28,980
−HK$768/mo
Today · 4.125%
HK$29,748
baseline
▲ 0.50% · 4.625%
HK$31,316
+HK$1,568/mo
Deposit HK$5.56M · loan HK$5.56M · min. income ≈ HK$59,496/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$417,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,443
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,390
−HK$962/mo
Today · 4.125%
HK$32,352
baseline
▲ 0.50% · 4.625%
HK$34,321
+HK$1,969/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$64,704/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,868
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,776
−HK$922/mo
Today · 4.125%
HK$35,698
baseline
▲ 0.50% · 4.625%
HK$37,579
+HK$1,881/mo
Deposit HK$4.45M · loan HK$6.68M · min. income ≈ HK$71,396/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,517
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$36,622
−HK$1,122/mo
Today · 4.125%
HK$37,744
baseline
▲ 0.50% · 4.625%
HK$40,041
+HK$2,297/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$75,488/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,512
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$40,572
−HK$1,075/mo
Today · 4.125%
HK$41,647
baseline
▲ 0.50% · 4.625%
HK$43,842
+HK$2,195/mo
Deposit HK$3.34M · loan HK$7.79M · min. income ≈ HK$83,294/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$417,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,665
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,085
−HK$1,443/mo
Today · 4.125%
HK$48,528
baseline
▲ 0.50% · 4.625%
HK$51,481
+HK$2,953/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$97,056/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,802
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,164
−HK$1,382/mo
Today · 4.125%
HK$53,546
baseline
▲ 0.50% · 4.625%
HK$56,369
+HK$2,823/mo
Deposit HK$1.11M · loan HK$10.01M · min. income ≈ HK$107,092/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,213 · Scale 2, in force from 26 Feb 2026)