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$26,642
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,471
−HK$842/mo
Today · 4.125%
HK$28,313
baseline
▲ 0.50% · 4.625%
HK$30,035
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,626/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,639
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,434
−HK$806/mo
Today · 4.125%
HK$31,240
baseline
▲ 0.50% · 4.625%
HK$32,887
+HK$1,647/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,480/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,970
−HK$2,005/mo
▼ 0.25% · 3.875%
HK$32,965
−HK$1,010/mo
Today · 4.125%
HK$33,975
baseline
▲ 0.50% · 4.625%
HK$36,043
+HK$2,068/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,950/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,567
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,521
−HK$967/mo
Today · 4.125%
HK$37,488
baseline
▲ 0.50% · 4.625%
HK$39,464
+HK$1,976/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,976/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$438,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,299
−HK$2,339/mo
▼ 0.25% · 3.875%
HK$38,459
−HK$1,179/mo
Today · 4.125%
HK$39,638
baseline
▲ 0.50% · 4.625%
HK$42,050
+HK$2,412/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,276/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,495
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$42,607
−HK$1,129/mo
Today · 4.125%
HK$43,736
baseline
▲ 0.50% · 4.625%
HK$46,042
+HK$2,306/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,472/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$438,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,956
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,447
−HK$1,516/mo
Today · 4.125%
HK$50,963
baseline
▲ 0.50% · 4.625%
HK$54,064
+HK$3,101/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,926/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,350
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,781
−HK$1,452/mo
Today · 4.125%
HK$56,233
baseline
▲ 0.50% · 4.625%
HK$59,197
+HK$2,964/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,466/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,143 · Scale 2, in force from 26 Feb 2026)