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$26,698
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,529
−HK$843/mo
Today · 4.125%
HK$28,372
baseline
▲ 0.50% · 4.625%
HK$30,099
+HK$1,727/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,744/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,702
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,498
−HK$808/mo
Today · 4.125%
HK$31,306
baseline
▲ 0.50% · 4.625%
HK$32,956
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,612/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,038
−HK$2,009/mo
▼ 0.25% · 3.875%
HK$33,034
−HK$1,013/mo
Today · 4.125%
HK$34,047
baseline
▲ 0.50% · 4.625%
HK$36,119
+HK$2,072/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,094/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,642
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,598
−HK$969/mo
Today · 4.125%
HK$37,567
baseline
▲ 0.50% · 4.625%
HK$39,548
+HK$1,981/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,134/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,378
−HK$2,343/mo
▼ 0.25% · 3.875%
HK$38,540
−HK$1,181/mo
Today · 4.125%
HK$39,721
baseline
▲ 0.50% · 4.625%
HK$42,138
+HK$2,417/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,442/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,582
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,697
−HK$1,132/mo
Today · 4.125%
HK$43,829
baseline
▲ 0.50% · 4.625%
HK$46,139
+HK$2,310/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,658/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,057
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,552
−HK$1,518/mo
Today · 4.125%
HK$51,070
baseline
▲ 0.50% · 4.625%
HK$54,178
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,140/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,463
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,897
−HK$1,454/mo
Today · 4.125%
HK$56,351
baseline
▲ 0.50% · 4.625%
HK$59,322
+HK$2,971/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,702/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,067 · Scale 2, in force from 26 Feb 2026)