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$25,660
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,458
−HK$811/mo
Today · 4.125%
HK$27,269
baseline
▲ 0.50% · 4.625%
HK$28,928
+HK$1,659/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,538/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,546
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$29,312
−HK$777/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,675
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,792
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,750
−HK$973/mo
Today · 4.125%
HK$32,723
baseline
▲ 0.50% · 4.625%
HK$34,714
+HK$1,991/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,446/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,256
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$932/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,010
+HK$1,904/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,924
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,041
−HK$1,136/mo
Today · 4.125%
HK$38,177
baseline
▲ 0.50% · 4.625%
HK$40,499
+HK$2,322/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,354/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,965
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,037
−HK$1,087/mo
Today · 4.125%
HK$42,124
baseline
▲ 0.50% · 4.625%
HK$44,344
+HK$2,220/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,248/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,188
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$47,624
−HK$1,460/mo
Today · 4.125%
HK$49,084
baseline
▲ 0.50% · 4.625%
HK$52,071
+HK$2,987/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,168/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,383
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,761
−HK$1,398/mo
Today · 4.125%
HK$54,159
baseline
▲ 0.50% · 4.625%
HK$57,014
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,318/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,990 · Scale 2, in force from 26 Feb 2026)