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$25,787
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$26,589
−HK$815/mo
Today · 4.125%
HK$27,404
baseline
▲ 0.50% · 4.625%
HK$29,072
+HK$1,668/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,808/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,688
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$29,457
−HK$781/mo
Today · 4.125%
HK$30,238
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,594/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,476/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$424,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,945
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,907
−HK$978/mo
Today · 4.125%
HK$32,885
baseline
▲ 0.50% · 4.625%
HK$34,886
+HK$2,001/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$65,770/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,426
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,349
−HK$937/mo
Today · 4.125%
HK$36,286
baseline
▲ 0.50% · 4.625%
HK$38,198
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.79M · min. income ≈ HK$72,572/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$424,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,102
−HK$2,264/mo
▼ 0.25% · 3.875%
HK$37,225
−HK$1,141/mo
Today · 4.125%
HK$38,366
baseline
▲ 0.50% · 4.625%
HK$40,700
+HK$2,334/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$76,732/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,163
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$41,240
−HK$1,093/mo
Today · 4.125%
HK$42,333
baseline
▲ 0.50% · 4.625%
HK$44,565
+HK$2,232/mo
Deposit HK$3.39M · loan HK$7.92M · min. income ≈ HK$84,666/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$424,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,417
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$47,861
−HK$1,467/mo
Today · 4.125%
HK$49,328
baseline
▲ 0.50% · 4.625%
HK$52,329
+HK$3,001/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$98,656/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,638
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$53,023
−HK$1,405/mo
Today · 4.125%
HK$54,428
baseline
▲ 0.50% · 4.625%
HK$57,297
+HK$2,869/mo
Deposit HK$1.13M · loan HK$10.18M · min. income ≈ HK$108,856/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$424,084 · Scale 2, in force from 26 Feb 2026)