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$25,773
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$815/mo
Today · 4.125%
HK$27,389
baseline
▲ 0.50% · 4.625%
HK$29,055
+HK$1,666/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$54,778/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,672
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$29,441
−HK$780/mo
Today · 4.125%
HK$30,221
baseline
▲ 0.50% · 4.625%
HK$31,814
+HK$1,593/mo
Deposit HK$5.65M · loan HK$5.65M · min. income ≈ HK$60,442/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$423,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,927
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,889
−HK$977/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$2,000/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,406
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,329
−HK$936/mo
Today · 4.125%
HK$36,265
baseline
▲ 0.50% · 4.625%
HK$38,176
+HK$1,911/mo
Deposit HK$4.52M · loan HK$6.78M · min. income ≈ HK$72,530/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$423,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,082
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$37,204
−HK$1,140/mo
Today · 4.125%
HK$38,344
baseline
▲ 0.50% · 4.625%
HK$40,677
+HK$2,333/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$76,688/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,140
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$41,217
−HK$1,092/mo
Today · 4.125%
HK$42,309
baseline
▲ 0.50% · 4.625%
HK$44,539
+HK$2,230/mo
Deposit HK$3.39M · loan HK$7.91M · min. income ≈ HK$84,618/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$423,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,391
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$47,834
−HK$1,466/mo
Today · 4.125%
HK$49,300
baseline
▲ 0.50% · 4.625%
HK$52,299
+HK$2,999/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$98,600/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,609
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$52,993
−HK$1,404/mo
Today · 4.125%
HK$54,397
baseline
▲ 0.50% · 4.625%
HK$57,265
+HK$2,868/mo
Deposit HK$1.13M · loan HK$10.17M · min. income ≈ HK$108,794/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$423,843 · Scale 2, in force from 26 Feb 2026)