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$26,829
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,664
−HK$848/mo
Today · 4.125%
HK$28,512
baseline
▲ 0.50% · 4.625%
HK$30,246
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,024/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,847
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,648
−HK$812/mo
Today · 4.125%
HK$31,460
baseline
▲ 0.50% · 4.625%
HK$33,118
+HK$1,658/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,920/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$441,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,195
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$1,018/mo
Today · 4.125%
HK$34,214
baseline
▲ 0.50% · 4.625%
HK$36,296
+HK$2,082/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,428/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,817
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$36,777
−HK$975/mo
Today · 4.125%
HK$37,752
baseline
▲ 0.50% · 4.625%
HK$39,742
+HK$1,990/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,504/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,561
−HK$2,355/mo
▼ 0.25% · 3.875%
HK$38,729
−HK$1,187/mo
Today · 4.125%
HK$39,916
baseline
▲ 0.50% · 4.625%
HK$42,345
+HK$2,429/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,832/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,786
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,907
−HK$1,137/mo
Today · 4.125%
HK$44,044
baseline
▲ 0.50% · 4.625%
HK$46,365
+HK$2,321/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,088/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,292
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,795
−HK$1,526/mo
Today · 4.125%
HK$51,321
baseline
▲ 0.50% · 4.625%
HK$54,443
+HK$3,122/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,642/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,725
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,166
−HK$1,461/mo
Today · 4.125%
HK$56,627
baseline
▲ 0.50% · 4.625%
HK$59,612
+HK$2,985/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,254/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,219 · Scale 2, in force from 26 Feb 2026)