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$26,883
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$849/mo
Today · 4.125%
HK$28,568
baseline
▲ 0.50% · 4.625%
HK$30,307
+HK$1,739/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,136/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,907
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,709
−HK$813/mo
Today · 4.125%
HK$31,522
baseline
▲ 0.50% · 4.625%
HK$33,184
+HK$1,662/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,044/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$442,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,259
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$33,263
−HK$1,019/mo
Today · 4.125%
HK$34,282
baseline
▲ 0.50% · 4.625%
HK$36,368
+HK$2,086/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$68,564/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,888
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$36,850
−HK$977/mo
Today · 4.125%
HK$37,827
baseline
▲ 0.50% · 4.625%
HK$39,821
+HK$1,994/mo
Deposit HK$4.72M · loan HK$7.07M · min. income ≈ HK$75,654/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$442,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,636
−HK$2,360/mo
▼ 0.25% · 3.875%
HK$38,806
−HK$1,190/mo
Today · 4.125%
HK$39,996
baseline
▲ 0.50% · 4.625%
HK$42,429
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,992/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,869
−HK$2,262/mo
▼ 0.25% · 3.875%
HK$42,992
−HK$1,139/mo
Today · 4.125%
HK$44,131
baseline
▲ 0.50% · 4.625%
HK$46,458
+HK$2,327/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,262/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$442,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,389
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,894
−HK$1,529/mo
Today · 4.125%
HK$51,423
baseline
▲ 0.50% · 4.625%
HK$54,552
+HK$3,129/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,846/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,832
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,276
−HK$1,464/mo
Today · 4.125%
HK$56,740
baseline
▲ 0.50% · 4.625%
HK$59,731
+HK$2,991/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,480/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$442,098 · Scale 2, in force from 26 Feb 2026)