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$25,196
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,979
−HK$797/mo
Today · 4.125%
HK$26,776
baseline
▲ 0.50% · 4.625%
HK$28,405
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,552/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,030
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$28,782
−HK$762/mo
Today · 4.125%
HK$29,544
baseline
▲ 0.50% · 4.625%
HK$31,101
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,088/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,235
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,175
−HK$956/mo
Today · 4.125%
HK$32,131
baseline
▲ 0.50% · 4.625%
HK$34,086
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,262/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,636
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,538
−HK$915/mo
Today · 4.125%
HK$35,453
baseline
▲ 0.50% · 4.625%
HK$37,322
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,906/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,274
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,371
−HK$1,115/mo
Today · 4.125%
HK$37,486
baseline
▲ 0.50% · 4.625%
HK$39,767
+HK$2,281/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,972/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,242
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,294
−HK$1,068/mo
Today · 4.125%
HK$41,362
baseline
▲ 0.50% · 4.625%
HK$43,542
+HK$2,180/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,724/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,352
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,763
−HK$1,433/mo
Today · 4.125%
HK$48,196
baseline
▲ 0.50% · 4.625%
HK$51,129
+HK$2,933/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,392/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,454
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,807
−HK$1,372/mo
Today · 4.125%
HK$53,179
baseline
▲ 0.50% · 4.625%
HK$55,983
+HK$2,804/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,358/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,354 · Scale 2, in force from 26 Feb 2026)