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$27,196
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,042
−HK$859/mo
Today · 4.125%
HK$28,901
baseline
▲ 0.50% · 4.625%
HK$30,660
+HK$1,759/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,802/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,255
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,066
−HK$824/mo
Today · 4.125%
HK$31,890
baseline
▲ 0.50% · 4.625%
HK$33,571
+HK$1,681/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,780/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$33,650
−HK$1,031/mo
Today · 4.125%
HK$34,681
baseline
▲ 0.50% · 4.625%
HK$36,792
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,362/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,306
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,280
−HK$988/mo
Today · 4.125%
HK$38,268
baseline
▲ 0.50% · 4.625%
HK$40,285
+HK$2,017/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,536/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,074
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,258
−HK$1,204/mo
Today · 4.125%
HK$40,462
baseline
▲ 0.50% · 4.625%
HK$42,924
+HK$2,462/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,924/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,357
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,493
−HK$1,152/mo
Today · 4.125%
HK$44,645
baseline
▲ 0.50% · 4.625%
HK$46,999
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,290/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,952
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,475
−HK$1,547/mo
Today · 4.125%
HK$52,022
baseline
▲ 0.50% · 4.625%
HK$55,188
+HK$3,166/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$104,044/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,459
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,920
−HK$1,481/mo
Today · 4.125%
HK$57,401
baseline
▲ 0.50% · 4.625%
HK$60,427
+HK$3,026/mo
Deposit HK$1.19M · loan HK$10.73M · min. income ≈ HK$114,802/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,249 · Scale 2, in force from 26 Feb 2026)