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$25,404
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$26,195
−HK$803/mo
Today · 4.125%
HK$26,998
baseline
▲ 0.50% · 4.625%
HK$28,640
+HK$1,642/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,996/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,262
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$29,020
−HK$769/mo
Today · 4.125%
HK$29,789
baseline
▲ 0.50% · 4.625%
HK$31,359
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,578/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,434
−HK$963/mo
Today · 4.125%
HK$32,397
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,794/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,915
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$923/mo
Today · 4.125%
HK$35,747
baseline
▲ 0.50% · 4.625%
HK$37,631
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,494/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,566
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,673
−HK$1,124/mo
Today · 4.125%
HK$37,797
baseline
▲ 0.50% · 4.625%
HK$40,096
+HK$2,299/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,594/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,567
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,628
−HK$1,077/mo
Today · 4.125%
HK$41,705
baseline
▲ 0.50% · 4.625%
HK$43,903
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,410/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,728
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$47,151
−HK$1,445/mo
Today · 4.125%
HK$48,596
baseline
▲ 0.50% · 4.625%
HK$51,553
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,192/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,872
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$52,236
−HK$1,385/mo
Today · 4.125%
HK$53,621
baseline
▲ 0.50% · 4.625%
HK$56,447
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,242/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,791 · Scale 2, in force from 26 Feb 2026)