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$26,585
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$840/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$437,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,369
−HK$804/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,644/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$437,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,902
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,894
−HK$1,009/mo
Today · 4.125%
HK$33,903
baseline
▲ 0.50% · 4.625%
HK$35,965
+HK$2,062/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$67,806/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,491
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,442
−HK$966/mo
Today · 4.125%
HK$37,408
baseline
▲ 0.50% · 4.625%
HK$39,380
+HK$1,972/mo
Deposit HK$4.66M · loan HK$7.00M · min. income ≈ HK$74,816/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$437,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,219
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,377
−HK$1,176/mo
Today · 4.125%
HK$39,553
baseline
▲ 0.50% · 4.625%
HK$41,960
+HK$2,407/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$79,106/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,406
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,516
−HK$1,127/mo
Today · 4.125%
HK$43,643
baseline
▲ 0.50% · 4.625%
HK$45,943
+HK$2,300/mo
Deposit HK$3.50M · loan HK$8.16M · min. income ≈ HK$87,286/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$437,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,853
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,341
−HK$1,513/mo
Today · 4.125%
HK$50,854
baseline
▲ 0.50% · 4.625%
HK$53,948
+HK$3,094/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$101,708/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,236
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,664
−HK$1,448/mo
Today · 4.125%
HK$56,112
baseline
▲ 0.50% · 4.625%
HK$59,070
+HK$2,958/mo
Deposit HK$1.17M · loan HK$10.49M · min. income ≈ HK$112,224/mo (50% DSR)
Upfront cash ≈ HK$1.60M (deposit + AVD stamp duty HK$437,204 · Scale 2, in force from 26 Feb 2026)