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$25,445
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$26,237
−HK$804/mo
Today · 4.125%
HK$27,041
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,645/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$54,082/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,307
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$29,067
−HK$770/mo
Today · 4.125%
HK$29,837
baseline
▲ 0.50% · 4.625%
HK$31,410
+HK$1,573/mo
Deposit HK$5.58M · loan HK$5.58M · min. income ≈ HK$59,674/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$418,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,534
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,484
−HK$965/mo
Today · 4.125%
HK$32,449
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,974/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$64,898/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,969
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,880
−HK$924/mo
Today · 4.125%
HK$35,804
baseline
▲ 0.50% · 4.625%
HK$37,691
+HK$1,887/mo
Deposit HK$4.46M · loan HK$6.70M · min. income ≈ HK$71,608/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$418,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,623
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,731
−HK$1,126/mo
Today · 4.125%
HK$37,857
baseline
▲ 0.50% · 4.625%
HK$40,161
+HK$2,304/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$75,714/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,630
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,693
−HK$1,079/mo
Today · 4.125%
HK$41,772
baseline
▲ 0.50% · 4.625%
HK$43,973
+HK$2,201/mo
Deposit HK$3.35M · loan HK$7.81M · min. income ≈ HK$83,544/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$418,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,801
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$47,226
−HK$1,447/mo
Today · 4.125%
HK$48,673
baseline
▲ 0.50% · 4.625%
HK$51,635
+HK$2,962/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$97,346/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,953
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$52,320
−HK$1,386/mo
Today · 4.125%
HK$53,706
baseline
▲ 0.50% · 4.625%
HK$56,537
+HK$2,831/mo
Deposit HK$1.12M · loan HK$10.04M · min. income ≈ HK$107,412/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$418,458 · Scale 2, in force from 26 Feb 2026)