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$25,472
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$26,265
−HK$805/mo
Today · 4.125%
HK$27,070
baseline
▲ 0.50% · 4.625%
HK$28,717
+HK$1,647/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,140/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,338
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$29,098
−HK$771/mo
Today · 4.125%
HK$29,869
baseline
▲ 0.50% · 4.625%
HK$31,443
+HK$1,574/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,738/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,567
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$966/mo
Today · 4.125%
HK$32,484
baseline
▲ 0.50% · 4.625%
HK$34,460
+HK$1,976/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$64,968/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,005
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,917
−HK$926/mo
Today · 4.125%
HK$35,843
baseline
▲ 0.50% · 4.625%
HK$37,732
+HK$1,889/mo
Deposit HK$4.47M · loan HK$6.70M · min. income ≈ HK$71,686/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$418,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,661
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,771
−HK$1,127/mo
Today · 4.125%
HK$37,898
baseline
▲ 0.50% · 4.625%
HK$40,204
+HK$2,306/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$75,796/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,673
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,737
−HK$1,079/mo
Today · 4.125%
HK$41,816
baseline
▲ 0.50% · 4.625%
HK$44,021
+HK$2,205/mo
Deposit HK$3.35M · loan HK$7.82M · min. income ≈ HK$83,632/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,850
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,449/mo
Today · 4.125%
HK$48,726
baseline
▲ 0.50% · 4.625%
HK$51,690
+HK$2,964/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$97,452/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,008
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$52,376
−HK$1,388/mo
Today · 4.125%
HK$53,764
baseline
▲ 0.50% · 4.625%
HK$56,598
+HK$2,834/mo
Deposit HK$1.12M · loan HK$10.05M · min. income ≈ HK$107,528/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$418,908 · Scale 2, in force from 26 Feb 2026)