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$27,312
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,161
−HK$863/mo
Today · 4.125%
HK$29,024
baseline
▲ 0.50% · 4.625%
HK$30,790
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,048/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,384
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,199
−HK$826/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,713
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,774
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,793
−HK$1,036/mo
Today · 4.125%
HK$34,829
baseline
▲ 0.50% · 4.625%
HK$36,948
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,658/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,438
−HK$992/mo
Today · 4.125%
HK$38,430
baseline
▲ 0.50% · 4.625%
HK$40,456
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,860/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,236
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,426
−HK$1,208/mo
Today · 4.125%
HK$40,634
baseline
▲ 0.50% · 4.625%
HK$43,106
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,268/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,537
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,678
−HK$1,157/mo
Today · 4.125%
HK$44,835
baseline
▲ 0.50% · 4.625%
HK$47,199
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,670/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,161
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,690
−HK$1,554/mo
Today · 4.125%
HK$52,244
baseline
▲ 0.50% · 4.625%
HK$55,422
+HK$3,178/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,488/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,691
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,158
−HK$1,488/mo
Today · 4.125%
HK$57,646
baseline
▲ 0.50% · 4.625%
HK$60,684
+HK$3,038/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,292/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,153 · Scale 2, in force from 26 Feb 2026)