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$25,751
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$26,552
−HK$814/mo
Today · 4.125%
HK$27,366
baseline
▲ 0.50% · 4.625%
HK$29,031
+HK$1,665/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,732/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,647
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$29,416
−HK$779/mo
Today · 4.125%
HK$30,195
baseline
▲ 0.50% · 4.625%
HK$31,787
+HK$1,592/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,390/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$423,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,901
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,862
−HK$977/mo
Today · 4.125%
HK$32,839
baseline
▲ 0.50% · 4.625%
HK$34,837
+HK$1,998/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,678/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,377
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,299
−HK$935/mo
Today · 4.125%
HK$36,234
baseline
▲ 0.50% · 4.625%
HK$38,144
+HK$1,910/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,468/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,051
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$37,172
−HK$1,140/mo
Today · 4.125%
HK$38,312
baseline
▲ 0.50% · 4.625%
HK$40,643
+HK$2,331/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,624/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,106
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$41,182
−HK$1,091/mo
Today · 4.125%
HK$42,273
baseline
▲ 0.50% · 4.625%
HK$44,502
+HK$2,229/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,546/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,351
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$47,793
−HK$1,465/mo
Today · 4.125%
HK$49,258
baseline
▲ 0.50% · 4.625%
HK$52,255
+HK$2,997/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$98,516/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,565
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$52,948
−HK$1,403/mo
Today · 4.125%
HK$54,351
baseline
▲ 0.50% · 4.625%
HK$57,216
+HK$2,865/mo
Deposit HK$1.13M · loan HK$10.16M · min. income ≈ HK$108,702/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,485 · Scale 2, in force from 26 Feb 2026)