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$26,777
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,610
−HK$846/mo
Today · 4.125%
HK$28,456
baseline
▲ 0.50% · 4.625%
HK$30,188
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,912/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,789
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,588
−HK$810/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,054
+HK$1,656/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,796/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,132
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,132
−HK$1,015/mo
Today · 4.125%
HK$34,147
baseline
▲ 0.50% · 4.625%
HK$36,225
+HK$2,078/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,294/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,747
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$36,706
−HK$972/mo
Today · 4.125%
HK$37,678
baseline
▲ 0.50% · 4.625%
HK$39,664
+HK$1,986/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,356/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,488
−HK$2,350/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,184/mo
Today · 4.125%
HK$39,838
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,425/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,676/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,705
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$42,823
−HK$1,135/mo
Today · 4.125%
HK$43,958
baseline
▲ 0.50% · 4.625%
HK$46,275
+HK$2,317/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,916/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,198
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,698
−HK$1,523/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$54,338
+HK$3,117/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,620
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,058
−HK$1,459/mo
Today · 4.125%
HK$56,517
baseline
▲ 0.50% · 4.625%
HK$59,496
+HK$2,979/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,034/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,361 · Scale 2, in force from 26 Feb 2026)