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$27,131
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,975
−HK$858/mo
Today · 4.125%
HK$28,833
baseline
▲ 0.50% · 4.625%
HK$30,587
+HK$1,754/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,666/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,183
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$30,993
−HK$821/mo
Today · 4.125%
HK$31,814
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,677/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,628/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$33,570
−HK$1,029/mo
Today · 4.125%
HK$34,599
baseline
▲ 0.50% · 4.625%
HK$36,704
+HK$2,105/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,198/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,220
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$37,191
−HK$986/mo
Today · 4.125%
HK$38,177
baseline
▲ 0.50% · 4.625%
HK$40,189
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,354/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,984
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,165
−HK$1,201/mo
Today · 4.125%
HK$40,366
baseline
▲ 0.50% · 4.625%
HK$42,822
+HK$2,456/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,732/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,257
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,390
−HK$1,150/mo
Today · 4.125%
HK$44,540
baseline
▲ 0.50% · 4.625%
HK$46,887
+HK$2,347/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,080/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,836
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,355
−HK$1,544/mo
Today · 4.125%
HK$51,899
baseline
▲ 0.50% · 4.625%
HK$55,057
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,798/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,330
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,787
−HK$1,478/mo
Today · 4.125%
HK$57,265
baseline
▲ 0.50% · 4.625%
HK$60,284
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,530/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,188 · Scale 2, in force from 26 Feb 2026)