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$26,584
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,411
−HK$841/mo
Today · 4.125%
HK$28,252
baseline
▲ 0.50% · 4.625%
HK$29,971
+HK$1,719/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$56,504/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,575
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,368
−HK$805/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$32,816
+HK$1,643/mo
Deposit HK$5.83M · loan HK$5.83M · min. income ≈ HK$62,346/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$437,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,901
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,894
−HK$1,008/mo
Today · 4.125%
HK$33,902
baseline
▲ 0.50% · 4.625%
HK$35,965
+HK$2,063/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,804/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,490
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,442
−HK$965/mo
Today · 4.125%
HK$37,407
baseline
▲ 0.50% · 4.625%
HK$39,379
+HK$1,972/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,814/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,218
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,376
−HK$1,176/mo
Today · 4.125%
HK$39,552
baseline
▲ 0.50% · 4.625%
HK$41,959
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,104/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,405
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,515
−HK$1,127/mo
Today · 4.125%
HK$43,642
baseline
▲ 0.50% · 4.625%
HK$45,942
+HK$2,300/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,284/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,852
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,341
−HK$1,512/mo
Today · 4.125%
HK$50,853
baseline
▲ 0.50% · 4.625%
HK$53,947
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,706/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,235
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,663
−HK$1,448/mo
Today · 4.125%
HK$56,111
baseline
▲ 0.50% · 4.625%
HK$59,069
+HK$2,958/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,222/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,196 · Scale 2, in force from 26 Feb 2026)