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$25,649
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,447
−HK$810/mo
Today · 4.125%
HK$27,257
baseline
▲ 0.50% · 4.625%
HK$28,916
+HK$1,659/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,514/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,534
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$29,300
−HK$776/mo
Today · 4.125%
HK$30,076
baseline
▲ 0.50% · 4.625%
HK$31,661
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,152/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$421,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,779
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,736
−HK$973/mo
Today · 4.125%
HK$32,709
baseline
▲ 0.50% · 4.625%
HK$34,699
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,418/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,241
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$932/mo
Today · 4.125%
HK$36,091
baseline
▲ 0.50% · 4.625%
HK$37,994
+HK$1,903/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,182/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,909
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,026
−HK$1,134/mo
Today · 4.125%
HK$38,160
baseline
▲ 0.50% · 4.625%
HK$40,482
+HK$2,322/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,320/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,948
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,019
−HK$1,087/mo
Today · 4.125%
HK$42,106
baseline
▲ 0.50% · 4.625%
HK$44,326
+HK$2,220/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,212/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$421,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,168
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$47,604
−HK$1,459/mo
Today · 4.125%
HK$49,063
baseline
▲ 0.50% · 4.625%
HK$52,049
+HK$2,986/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,126/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,362
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$52,739
−HK$1,398/mo
Today · 4.125%
HK$54,137
baseline
▲ 0.50% · 4.625%
HK$56,990
+HK$2,853/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,274/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,812 · Scale 2, in force from 26 Feb 2026)