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$26,759
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,592
−HK$845/mo
Today · 4.125%
HK$28,437
baseline
▲ 0.50% · 4.625%
HK$30,168
+HK$1,731/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,874/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,769
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,568
−HK$810/mo
Today · 4.125%
HK$31,378
baseline
▲ 0.50% · 4.625%
HK$33,032
+HK$1,654/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,756/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$440,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,111
−HK$2,014/mo
▼ 0.25% · 3.875%
HK$33,110
−HK$1,015/mo
Today · 4.125%
HK$34,125
baseline
▲ 0.50% · 4.625%
HK$36,201
+HK$2,076/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$68,250/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,723
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,681
−HK$972/mo
Today · 4.125%
HK$37,653
baseline
▲ 0.50% · 4.625%
HK$39,638
+HK$1,985/mo
Deposit HK$4.69M · loan HK$7.04M · min. income ≈ HK$75,306/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$440,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,463
−HK$2,349/mo
▼ 0.25% · 3.875%
HK$38,628
−HK$1,184/mo
Today · 4.125%
HK$39,812
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,423/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$79,624/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,677
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$42,795
−HK$1,134/mo
Today · 4.125%
HK$43,929
baseline
▲ 0.50% · 4.625%
HK$46,245
+HK$2,316/mo
Deposit HK$3.52M · loan HK$8.21M · min. income ≈ HK$87,858/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,167
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,665
−HK$1,522/mo
Today · 4.125%
HK$51,187
baseline
▲ 0.50% · 4.625%
HK$54,302
+HK$3,115/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$102,374/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,585
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,022
−HK$1,458/mo
Today · 4.125%
HK$56,480
baseline
▲ 0.50% · 4.625%
HK$59,457
+HK$2,977/mo
Deposit HK$1.17M · loan HK$10.56M · min. income ≈ HK$112,960/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$440,072 · Scale 2, in force from 26 Feb 2026)