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$25,604
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,400
−HK$809/mo
Today · 4.125%
HK$27,209
baseline
▲ 0.50% · 4.625%
HK$28,865
+HK$1,656/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,418/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,484
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$29,248
−HK$775/mo
Today · 4.125%
HK$30,023
baseline
▲ 0.50% · 4.625%
HK$31,605
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,046/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,725
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,680
−HK$971/mo
Today · 4.125%
HK$32,651
baseline
▲ 0.50% · 4.625%
HK$34,638
+HK$1,987/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$65,302/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,181
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,098
−HK$929/mo
Today · 4.125%
HK$36,027
baseline
▲ 0.50% · 4.625%
HK$37,927
+HK$1,900/mo
Deposit HK$4.49M · loan HK$6.74M · min. income ≈ HK$72,054/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$421,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,845
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,960
−HK$1,133/mo
Today · 4.125%
HK$38,093
baseline
▲ 0.50% · 4.625%
HK$40,411
+HK$2,318/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$76,186/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,878
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,947
−HK$1,085/mo
Today · 4.125%
HK$42,032
baseline
▲ 0.50% · 4.625%
HK$44,248
+HK$2,216/mo
Deposit HK$3.37M · loan HK$7.86M · min. income ≈ HK$84,064/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,087
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$47,520
−HK$1,457/mo
Today · 4.125%
HK$48,977
baseline
▲ 0.50% · 4.625%
HK$51,957
+HK$2,980/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$97,954/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,271
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$52,646
−HK$1,395/mo
Today · 4.125%
HK$54,041
baseline
▲ 0.50% · 4.625%
HK$56,890
+HK$2,849/mo
Deposit HK$1.12M · loan HK$10.11M · min. income ≈ HK$108,082/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$421,069 · Scale 2, in force from 26 Feb 2026)