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$25,528
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$26,322
−HK$807/mo
Today · 4.125%
HK$27,129
baseline
▲ 0.50% · 4.625%
HK$28,779
+HK$1,650/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$54,258/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,400
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$29,161
−HK$773/mo
Today · 4.125%
HK$29,934
baseline
▲ 0.50% · 4.625%
HK$31,512
+HK$1,578/mo
Deposit HK$5.60M · loan HK$5.60M · min. income ≈ HK$59,868/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$419,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,634
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,586
−HK$969/mo
Today · 4.125%
HK$32,555
baseline
▲ 0.50% · 4.625%
HK$34,535
+HK$1,980/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$65,110/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,079
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$34,993
−HK$928/mo
Today · 4.125%
HK$35,921
baseline
▲ 0.50% · 4.625%
HK$37,814
+HK$1,893/mo
Deposit HK$4.48M · loan HK$6.72M · min. income ≈ HK$71,842/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$419,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,739
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,851
−HK$1,129/mo
Today · 4.125%
HK$37,980
baseline
▲ 0.50% · 4.625%
HK$40,291
+HK$2,311/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$75,960/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,759
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,826
−HK$1,081/mo
Today · 4.125%
HK$41,907
baseline
▲ 0.50% · 4.625%
HK$44,116
+HK$2,209/mo
Deposit HK$3.36M · loan HK$7.84M · min. income ≈ HK$83,814/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,950
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$47,380
−HK$1,452/mo
Today · 4.125%
HK$48,832
baseline
▲ 0.50% · 4.625%
HK$51,803
+HK$2,971/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$97,664/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,119
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$52,490
−HK$1,391/mo
Today · 4.125%
HK$53,881
baseline
▲ 0.50% · 4.625%
HK$56,721
+HK$2,840/mo
Deposit HK$1.12M · loan HK$10.08M · min. income ≈ HK$107,762/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,820 · Scale 2, in force from 26 Feb 2026)