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$25,661
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$26,459
−HK$811/mo
Today · 4.125%
HK$27,270
baseline
▲ 0.50% · 4.625%
HK$28,930
+HK$1,660/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,540/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,548
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,313
−HK$777/mo
Today · 4.125%
HK$30,090
baseline
▲ 0.50% · 4.625%
HK$31,676
+HK$1,586/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,180/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$422,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,793
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,751
−HK$973/mo
Today · 4.125%
HK$32,724
baseline
▲ 0.50% · 4.625%
HK$34,716
+HK$1,992/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,448/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,257
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,176
−HK$932/mo
Today · 4.125%
HK$36,108
baseline
▲ 0.50% · 4.625%
HK$38,011
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,216/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$422,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,926
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,043
−HK$1,135/mo
Today · 4.125%
HK$38,178
baseline
▲ 0.50% · 4.625%
HK$40,501
+HK$2,323/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$76,356/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,967
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,039
−HK$1,087/mo
Today · 4.125%
HK$42,126
baseline
▲ 0.50% · 4.625%
HK$44,347
+HK$2,221/mo
Deposit HK$3.38M · loan HK$7.88M · min. income ≈ HK$84,252/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,190
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$47,627
−HK$1,460/mo
Today · 4.125%
HK$49,087
baseline
▲ 0.50% · 4.625%
HK$52,073
+HK$2,986/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$98,174/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,386
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$52,764
−HK$1,398/mo
Today · 4.125%
HK$54,162
baseline
▲ 0.50% · 4.625%
HK$57,017
+HK$2,855/mo
Deposit HK$1.13M · loan HK$10.13M · min. income ≈ HK$108,324/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,011 · Scale 2, in force from 26 Feb 2026)