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$26,711
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,541
−HK$845/mo
Today · 4.125%
HK$28,386
baseline
▲ 0.50% · 4.625%
HK$30,113
+HK$1,727/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,772/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$809/mo
Today · 4.125%
HK$31,321
baseline
▲ 0.50% · 4.625%
HK$32,972
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,642/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,053
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,050
−HK$1,013/mo
Today · 4.125%
HK$34,063
baseline
▲ 0.50% · 4.625%
HK$36,135
+HK$2,072/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,126/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,658
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$36,615
−HK$970/mo
Today · 4.125%
HK$37,585
baseline
▲ 0.50% · 4.625%
HK$39,566
+HK$1,981/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,170/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,395
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,558
−HK$1,182/mo
Today · 4.125%
HK$39,740
baseline
▲ 0.50% · 4.625%
HK$42,158
+HK$2,418/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,480/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,601
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$42,717
−HK$1,132/mo
Today · 4.125%
HK$43,849
baseline
▲ 0.50% · 4.625%
HK$46,160
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,698/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,079
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,575
−HK$1,519/mo
Today · 4.125%
HK$51,094
baseline
▲ 0.50% · 4.625%
HK$54,203
+HK$3,109/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,188/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,487
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,922
−HK$1,455/mo
Today · 4.125%
HK$56,377
baseline
▲ 0.50% · 4.625%
HK$59,349
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,754/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,269 · Scale 2, in force from 26 Feb 2026)