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$27,292
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,141
−HK$862/mo
Today · 4.125%
HK$29,003
baseline
▲ 0.50% · 4.625%
HK$30,768
+HK$1,765/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$58,006/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,362
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,176
−HK$826/mo
Today · 4.125%
HK$32,002
baseline
▲ 0.50% · 4.625%
HK$33,689
+HK$1,687/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$64,004/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,750
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,769
−HK$1,035/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,922
+HK$2,118/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,608/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,434
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,412
−HK$991/mo
Today · 4.125%
HK$38,403
baseline
▲ 0.50% · 4.625%
HK$40,427
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,806/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,209
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,397
−HK$1,208/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$43,075
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,507
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,647
−HK$1,156/mo
Today · 4.125%
HK$44,803
baseline
▲ 0.50% · 4.625%
HK$47,165
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,606/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,125
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,653
−HK$1,553/mo
Today · 4.125%
HK$52,206
baseline
▲ 0.50% · 4.625%
HK$55,383
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,412/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,652
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,117
−HK$1,487/mo
Today · 4.125%
HK$57,604
baseline
▲ 0.50% · 4.625%
HK$60,641
+HK$3,037/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,208/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,830 · Scale 2, in force from 26 Feb 2026)