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$25,508
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,301
−HK$806/mo
Today · 4.125%
HK$27,107
baseline
▲ 0.50% · 4.625%
HK$28,757
+HK$1,650/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,214/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,377
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,138
−HK$772/mo
Today · 4.125%
HK$29,910
baseline
▲ 0.50% · 4.625%
HK$31,487
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,820/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,609
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,561
−HK$968/mo
Today · 4.125%
HK$32,529
baseline
▲ 0.50% · 4.625%
HK$34,508
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,058/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,052
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,966
−HK$926/mo
Today · 4.125%
HK$35,892
baseline
▲ 0.50% · 4.625%
HK$37,784
+HK$1,892/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,784/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,711
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,822
−HK$1,128/mo
Today · 4.125%
HK$37,950
baseline
▲ 0.50% · 4.625%
HK$40,259
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,900/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,728
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,793
−HK$1,081/mo
Today · 4.125%
HK$41,874
baseline
▲ 0.50% · 4.625%
HK$44,082
+HK$2,208/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,748/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$419,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,914
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,342
−HK$1,451/mo
Today · 4.125%
HK$48,793
baseline
▲ 0.50% · 4.625%
HK$51,762
+HK$2,969/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,586/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,079
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,449
−HK$1,389/mo
Today · 4.125%
HK$53,838
baseline
▲ 0.50% · 4.625%
HK$56,676
+HK$2,838/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,676/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,488 · Scale 2, in force from 26 Feb 2026)