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$25,741
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$26,542
−HK$813/mo
Today · 4.125%
HK$27,355
baseline
▲ 0.50% · 4.625%
HK$29,020
+HK$1,665/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$54,710/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,637
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$29,405
−HK$779/mo
Today · 4.125%
HK$30,184
baseline
▲ 0.50% · 4.625%
HK$31,775
+HK$1,591/mo
Deposit HK$5.64M · loan HK$5.64M · min. income ≈ HK$60,368/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,889
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,850
−HK$976/mo
Today · 4.125%
HK$32,826
baseline
▲ 0.50% · 4.625%
HK$34,824
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$65,652/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,364
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,286
−HK$935/mo
Today · 4.125%
HK$36,221
baseline
▲ 0.50% · 4.625%
HK$38,130
+HK$1,909/mo
Deposit HK$4.52M · loan HK$6.77M · min. income ≈ HK$72,442/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,038
−HK$2,260/mo
▼ 0.25% · 3.875%
HK$37,159
−HK$1,139/mo
Today · 4.125%
HK$38,298
baseline
▲ 0.50% · 4.625%
HK$40,628
+HK$2,330/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$76,596/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,092
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$41,167
−HK$1,091/mo
Today · 4.125%
HK$42,258
baseline
▲ 0.50% · 4.625%
HK$44,485
+HK$2,227/mo
Deposit HK$3.39M · loan HK$7.90M · min. income ≈ HK$84,516/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,334
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$47,775
−HK$1,465/mo
Today · 4.125%
HK$49,240
baseline
▲ 0.50% · 4.625%
HK$52,236
+HK$2,996/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,480/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,546
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$52,929
−HK$1,402/mo
Today · 4.125%
HK$54,331
baseline
▲ 0.50% · 4.625%
HK$57,195
+HK$2,864/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,662/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,328 · Scale 2, in force from 26 Feb 2026)