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$25,400
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$26,190
−HK$802/mo
Today · 4.125%
HK$26,992
baseline
▲ 0.50% · 4.625%
HK$28,635
+HK$1,643/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$53,984/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,257
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$29,015
−HK$768/mo
Today · 4.125%
HK$29,783
baseline
▲ 0.50% · 4.625%
HK$31,353
+HK$1,570/mo
Deposit HK$5.57M · loan HK$5.57M · min. income ≈ HK$59,566/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$417,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,480
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,428
−HK$963/mo
Today · 4.125%
HK$32,391
baseline
▲ 0.50% · 4.625%
HK$34,362
+HK$1,971/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$64,782/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,908
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,818
−HK$922/mo
Today · 4.125%
HK$35,740
baseline
▲ 0.50% · 4.625%
HK$37,624
+HK$1,884/mo
Deposit HK$4.46M · loan HK$6.68M · min. income ≈ HK$71,480/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$417,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,559
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,666
−HK$1,123/mo
Today · 4.125%
HK$37,789
baseline
▲ 0.50% · 4.625%
HK$40,089
+HK$2,300/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$75,578/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,560
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,621
−HK$1,076/mo
Today · 4.125%
HK$41,697
baseline
▲ 0.50% · 4.625%
HK$43,895
+HK$2,198/mo
Deposit HK$3.34M · loan HK$7.80M · min. income ≈ HK$83,394/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$417,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,719
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$47,141
−HK$1,445/mo
Today · 4.125%
HK$48,586
baseline
▲ 0.50% · 4.625%
HK$51,543
+HK$2,957/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$97,172/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,862
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$52,226
−HK$1,384/mo
Today · 4.125%
HK$53,610
baseline
▲ 0.50% · 4.625%
HK$56,436
+HK$2,826/mo
Deposit HK$1.11M · loan HK$10.03M · min. income ≈ HK$107,220/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$417,711 · Scale 2, in force from 26 Feb 2026)