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$25,502
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$26,295
−HK$806/mo
Today · 4.125%
HK$27,101
baseline
▲ 0.50% · 4.625%
HK$28,750
+HK$1,649/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$54,202/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,371
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$29,131
−HK$772/mo
Today · 4.125%
HK$29,903
baseline
▲ 0.50% · 4.625%
HK$31,480
+HK$1,577/mo
Deposit HK$5.59M · loan HK$5.59M · min. income ≈ HK$59,806/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$419,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,602
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,554
−HK$967/mo
Today · 4.125%
HK$32,521
baseline
▲ 0.50% · 4.625%
HK$34,500
+HK$1,979/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$65,042/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,045
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,958
−HK$926/mo
Today · 4.125%
HK$35,884
baseline
▲ 0.50% · 4.625%
HK$37,775
+HK$1,891/mo
Deposit HK$4.47M · loan HK$6.71M · min. income ≈ HK$71,768/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$419,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,703
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,813
−HK$1,128/mo
Today · 4.125%
HK$37,941
baseline
▲ 0.50% · 4.625%
HK$40,250
+HK$2,309/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$75,882/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,719
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,784
−HK$1,081/mo
Today · 4.125%
HK$41,865
baseline
▲ 0.50% · 4.625%
HK$44,071
+HK$2,206/mo
Deposit HK$3.36M · loan HK$7.83M · min. income ≈ HK$83,730/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$419,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,903
−HK$2,879/mo
▼ 0.25% · 3.875%
HK$47,331
−HK$1,451/mo
Today · 4.125%
HK$48,782
baseline
▲ 0.50% · 4.625%
HK$51,750
+HK$2,968/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$97,564/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,067
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$52,437
−HK$1,389/mo
Today · 4.125%
HK$53,826
baseline
▲ 0.50% · 4.625%
HK$56,663
+HK$2,837/mo
Deposit HK$1.12M · loan HK$10.07M · min. income ≈ HK$107,652/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$419,392 · Scale 2, in force from 26 Feb 2026)