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$25,577
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,373
−HK$808/mo
Today · 4.125%
HK$27,181
baseline
▲ 0.50% · 4.625%
HK$28,835
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,362/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,455
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$29,218
−HK$774/mo
Today · 4.125%
HK$29,992
baseline
▲ 0.50% · 4.625%
HK$31,573
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,984/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,693
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,648
−HK$970/mo
Today · 4.125%
HK$32,618
baseline
▲ 0.50% · 4.625%
HK$34,602
+HK$1,984/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,236/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,146
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,061
−HK$929/mo
Today · 4.125%
HK$35,990
baseline
▲ 0.50% · 4.625%
HK$37,888
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,980/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,808
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,922
−HK$1,132/mo
Today · 4.125%
HK$38,054
baseline
▲ 0.50% · 4.625%
HK$40,369
+HK$2,315/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,108/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,837
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,905
−HK$1,084/mo
Today · 4.125%
HK$41,989
baseline
▲ 0.50% · 4.625%
HK$44,202
+HK$2,213/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$83,978/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,039
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,472
−HK$1,455/mo
Today · 4.125%
HK$48,927
baseline
▲ 0.50% · 4.625%
HK$51,904
+HK$2,977/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,854/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,218
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,592
−HK$1,394/mo
Today · 4.125%
HK$53,986
baseline
▲ 0.50% · 4.625%
HK$56,831
+HK$2,845/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$107,972/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,636 · Scale 2, in force from 26 Feb 2026)