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$26,651
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,480
−HK$842/mo
Today · 4.125%
HK$28,322
baseline
▲ 0.50% · 4.625%
HK$30,045
+HK$1,723/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,644/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,649
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,444
−HK$807/mo
Today · 4.125%
HK$31,251
baseline
▲ 0.50% · 4.625%
HK$32,898
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,502/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,981
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,976
−HK$1,010/mo
Today · 4.125%
HK$33,986
baseline
▲ 0.50% · 4.625%
HK$36,054
+HK$2,068/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$67,972/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,578
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,533
−HK$968/mo
Today · 4.125%
HK$37,501
baseline
▲ 0.50% · 4.625%
HK$39,477
+HK$1,976/mo
Deposit HK$4.68M · loan HK$7.01M · min. income ≈ HK$75,002/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,311
−HK$2,340/mo
▼ 0.25% · 3.875%
HK$38,472
−HK$1,179/mo
Today · 4.125%
HK$39,651
baseline
▲ 0.50% · 4.625%
HK$42,063
+HK$2,412/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,302/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,508
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,621
−HK$1,130/mo
Today · 4.125%
HK$43,751
baseline
▲ 0.50% · 4.625%
HK$46,057
+HK$2,306/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,502/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,971
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,464
−HK$1,516/mo
Today · 4.125%
HK$50,980
baseline
▲ 0.50% · 4.625%
HK$54,082
+HK$3,102/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,960/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,368
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,799
−HK$1,452/mo
Today · 4.125%
HK$56,251
baseline
▲ 0.50% · 4.625%
HK$59,216
+HK$2,965/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,502/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,286 · Scale 2, in force from 26 Feb 2026)