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$27,313
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,163
−HK$863/mo
Today · 4.125%
HK$29,026
baseline
▲ 0.50% · 4.625%
HK$30,792
+HK$1,766/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,052/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,386
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,201
−HK$826/mo
Today · 4.125%
HK$32,027
baseline
▲ 0.50% · 4.625%
HK$33,716
+HK$1,689/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,054/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,776
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,796
−HK$1,035/mo
Today · 4.125%
HK$34,831
baseline
▲ 0.50% · 4.625%
HK$36,951
+HK$2,120/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$69,662/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,463
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,441
−HK$992/mo
Today · 4.125%
HK$38,433
baseline
▲ 0.50% · 4.625%
HK$40,459
+HK$2,026/mo
Deposit HK$4.79M · loan HK$7.19M · min. income ≈ HK$76,866/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,239
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$39,428
−HK$1,209/mo
Today · 4.125%
HK$40,637
baseline
▲ 0.50% · 4.625%
HK$43,109
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,274/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,540
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,681
−HK$1,157/mo
Today · 4.125%
HK$44,838
baseline
▲ 0.50% · 4.625%
HK$47,202
+HK$2,364/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,676/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,164
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,693
−HK$1,554/mo
Today · 4.125%
HK$52,247
baseline
▲ 0.50% · 4.625%
HK$55,426
+HK$3,179/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,494/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,694
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,161
−HK$1,488/mo
Today · 4.125%
HK$57,649
baseline
▲ 0.50% · 4.625%
HK$60,688
+HK$3,039/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,298/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,183 · Scale 2, in force from 26 Feb 2026)