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$26,634
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,463
−HK$842/mo
Today · 4.125%
HK$28,305
baseline
▲ 0.50% · 4.625%
HK$30,027
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,610/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,630
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,425
−HK$806/mo
Today · 4.125%
HK$31,231
baseline
▲ 0.50% · 4.625%
HK$32,878
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,462/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,961
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,955
−HK$1,011/mo
Today · 4.125%
HK$33,966
baseline
▲ 0.50% · 4.625%
HK$36,032
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,932/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,557
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,510
−HK$968/mo
Today · 4.125%
HK$37,478
baseline
▲ 0.50% · 4.625%
HK$39,453
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,956/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,288
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,448
−HK$1,178/mo
Today · 4.125%
HK$39,626
baseline
▲ 0.50% · 4.625%
HK$42,038
+HK$2,412/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$79,252/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,483
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,595
−HK$1,129/mo
Today · 4.125%
HK$43,724
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,305/mo
Deposit HK$3.50M · loan HK$8.18M · min. income ≈ HK$87,448/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,942
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,433
−HK$1,515/mo
Today · 4.125%
HK$50,948
baseline
▲ 0.50% · 4.625%
HK$54,048
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,896/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,335
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,765
−HK$1,451/mo
Today · 4.125%
HK$56,216
baseline
▲ 0.50% · 4.625%
HK$59,180
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,432/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,017 · Scale 2, in force from 26 Feb 2026)