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$25,583
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$26,379
−HK$808/mo
Today · 4.125%
HK$27,187
baseline
▲ 0.50% · 4.625%
HK$28,842
+HK$1,655/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,374/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,461
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,224
−HK$775/mo
Today · 4.125%
HK$29,999
baseline
▲ 0.50% · 4.625%
HK$31,580
+HK$1,581/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$59,998/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,700
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,655
−HK$970/mo
Today · 4.125%
HK$32,625
baseline
▲ 0.50% · 4.625%
HK$34,610
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,250/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,153
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,069
−HK$929/mo
Today · 4.125%
HK$35,998
baseline
▲ 0.50% · 4.625%
HK$37,896
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$71,996/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,816
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,930
−HK$1,132/mo
Today · 4.125%
HK$38,062
baseline
▲ 0.50% · 4.625%
HK$40,378
+HK$2,316/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,124/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,845
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,914
−HK$1,084/mo
Today · 4.125%
HK$41,998
baseline
▲ 0.50% · 4.625%
HK$44,212
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$83,996/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,050
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$47,482
−HK$1,455/mo
Today · 4.125%
HK$48,937
baseline
▲ 0.50% · 4.625%
HK$51,915
+HK$2,978/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,874/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,230
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$52,604
−HK$1,393/mo
Today · 4.125%
HK$53,997
baseline
▲ 0.50% · 4.625%
HK$56,844
+HK$2,847/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$107,994/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,727 · Scale 2, in force from 26 Feb 2026)