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$26,793
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,626
−HK$847/mo
Today · 4.125%
HK$28,473
baseline
▲ 0.50% · 4.625%
HK$30,206
+HK$1,733/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,946/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,807
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,606
−HK$811/mo
Today · 4.125%
HK$31,417
baseline
▲ 0.50% · 4.625%
HK$33,073
+HK$1,656/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,834/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,152
−HK$1,016/mo
Today · 4.125%
HK$34,168
baseline
▲ 0.50% · 4.625%
HK$36,247
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,336/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,768
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,728
−HK$973/mo
Today · 4.125%
HK$37,701
baseline
▲ 0.50% · 4.625%
HK$39,688
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,402/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,510
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,677
−HK$1,185/mo
Today · 4.125%
HK$39,862
baseline
▲ 0.50% · 4.625%
HK$42,288
+HK$2,426/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,724/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,730
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$42,849
−HK$1,135/mo
Today · 4.125%
HK$43,984
baseline
▲ 0.50% · 4.625%
HK$46,303
+HK$2,319/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$87,968/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,227
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,728
−HK$1,524/mo
Today · 4.125%
HK$51,252
baseline
▲ 0.50% · 4.625%
HK$54,370
+HK$3,118/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,504/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,653
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,091
−HK$1,460/mo
Today · 4.125%
HK$56,551
baseline
▲ 0.50% · 4.625%
HK$59,532
+HK$2,981/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,102/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,626 · Scale 2, in force from 26 Feb 2026)