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$25,497
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,290
−HK$806/mo
Today · 4.125%
HK$27,096
baseline
▲ 0.50% · 4.625%
HK$28,745
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,192/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,365
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$29,126
−HK$772/mo
Today · 4.125%
HK$29,898
baseline
▲ 0.50% · 4.625%
HK$31,474
+HK$1,576/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,796/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,596
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,548
−HK$967/mo
Today · 4.125%
HK$32,515
baseline
▲ 0.50% · 4.625%
HK$34,493
+HK$1,978/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,030/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,038
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,951
−HK$926/mo
Today · 4.125%
HK$35,877
baseline
▲ 0.50% · 4.625%
HK$37,768
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,754/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,696
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,806
−HK$1,128/mo
Today · 4.125%
HK$37,934
baseline
▲ 0.50% · 4.625%
HK$40,242
+HK$2,308/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$75,868/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,711
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,776
−HK$1,081/mo
Today · 4.125%
HK$41,857
baseline
▲ 0.50% · 4.625%
HK$44,063
+HK$2,206/mo
Deposit HK$3.35M · loan HK$7.83M · min. income ≈ HK$83,714/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,895
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,322
−HK$1,451/mo
Today · 4.125%
HK$48,773
baseline
▲ 0.50% · 4.625%
HK$51,740
+HK$2,967/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$97,546/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,057
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,427
−HK$1,389/mo
Today · 4.125%
HK$53,816
baseline
▲ 0.50% · 4.625%
HK$56,652
+HK$2,836/mo
Deposit HK$1.12M · loan HK$10.06M · min. income ≈ HK$107,632/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,311 · Scale 2, in force from 26 Feb 2026)