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$25,772
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$814/mo
Today · 4.125%
HK$27,388
baseline
▲ 0.50% · 4.625%
HK$29,055
+HK$1,667/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,776/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,671
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,440
−HK$780/mo
Today · 4.125%
HK$30,220
baseline
▲ 0.50% · 4.625%
HK$31,813
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,440/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,926
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,888
−HK$978/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,405
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,328
−HK$936/mo
Today · 4.125%
HK$36,264
baseline
▲ 0.50% · 4.625%
HK$38,176
+HK$1,912/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,528/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,081
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,203
−HK$1,140/mo
Today · 4.125%
HK$38,343
baseline
▲ 0.50% · 4.625%
HK$40,676
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,686/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,139
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,216
−HK$1,092/mo
Today · 4.125%
HK$42,308
baseline
▲ 0.50% · 4.625%
HK$44,538
+HK$2,230/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,616/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,390
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,833
−HK$1,466/mo
Today · 4.125%
HK$49,299
baseline
▲ 0.50% · 4.625%
HK$52,298
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,598/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,608
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,992
−HK$1,404/mo
Today · 4.125%
HK$54,396
baseline
▲ 0.50% · 4.625%
HK$57,263
+HK$2,867/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,792/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,834 · Scale 2, in force from 26 Feb 2026)