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$25,689
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$26,488
−HK$812/mo
Today · 4.125%
HK$27,300
baseline
▲ 0.50% · 4.625%
HK$28,961
+HK$1,661/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$54,600/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,579
−HK$1,544/mo
▼ 0.25% · 3.875%
HK$29,345
−HK$778/mo
Today · 4.125%
HK$30,123
baseline
▲ 0.50% · 4.625%
HK$31,710
+HK$1,587/mo
Deposit HK$5.63M · loan HK$5.63M · min. income ≈ HK$60,246/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$422,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,827
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,785
−HK$975/mo
Today · 4.125%
HK$32,760
baseline
▲ 0.50% · 4.625%
HK$34,753
+HK$1,993/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$65,520/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,294
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,214
−HK$933/mo
Today · 4.125%
HK$36,147
baseline
▲ 0.50% · 4.625%
HK$38,052
+HK$1,905/mo
Deposit HK$4.51M · loan HK$6.76M · min. income ≈ HK$72,294/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$422,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,964
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,083
−HK$1,137/mo
Today · 4.125%
HK$38,220
baseline
▲ 0.50% · 4.625%
HK$40,545
+HK$2,325/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$76,440/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,010
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$41,083
−HK$1,089/mo
Today · 4.125%
HK$42,172
baseline
▲ 0.50% · 4.625%
HK$44,394
+HK$2,222/mo
Deposit HK$3.38M · loan HK$7.89M · min. income ≈ HK$84,344/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$422,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,240
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$47,678
−HK$1,462/mo
Today · 4.125%
HK$49,140
baseline
▲ 0.50% · 4.625%
HK$52,130
+HK$2,990/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$98,280/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,441
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$52,821
−HK$1,400/mo
Today · 4.125%
HK$54,221
baseline
▲ 0.50% · 4.625%
HK$57,079
+HK$2,858/mo
Deposit HK$1.13M · loan HK$10.14M · min. income ≈ HK$108,442/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$422,466 · Scale 2, in force from 26 Feb 2026)