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$27,137
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$27,982
−HK$857/mo
Today · 4.125%
HK$28,839
baseline
▲ 0.50% · 4.625%
HK$30,594
+HK$1,755/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$57,678/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,190
−HK$1,631/mo
▼ 0.25% · 3.875%
HK$31,000
−HK$821/mo
Today · 4.125%
HK$31,821
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,678/mo
Deposit HK$5.95M · loan HK$5.95M · min. income ≈ HK$63,642/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,565
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,578
−HK$1,029/mo
Today · 4.125%
HK$34,607
baseline
▲ 0.50% · 4.625%
HK$36,713
+HK$2,106/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$69,214/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,228
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$37,200
−HK$986/mo
Today · 4.125%
HK$38,186
baseline
▲ 0.50% · 4.625%
HK$40,198
+HK$2,012/mo
Deposit HK$4.76M · loan HK$7.14M · min. income ≈ HK$76,372/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,992
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,174
−HK$1,201/mo
Today · 4.125%
HK$40,375
baseline
▲ 0.50% · 4.625%
HK$42,832
+HK$2,457/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$80,750/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,266
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,400
−HK$1,150/mo
Today · 4.125%
HK$44,550
baseline
▲ 0.50% · 4.625%
HK$46,898
+HK$2,348/mo
Deposit HK$3.57M · loan HK$8.33M · min. income ≈ HK$89,100/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,847
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,367
−HK$1,544/mo
Today · 4.125%
HK$51,911
baseline
▲ 0.50% · 4.625%
HK$55,069
+HK$3,158/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$103,822/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,342
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,800
−HK$1,478/mo
Today · 4.125%
HK$57,278
baseline
▲ 0.50% · 4.625%
HK$60,297
+HK$3,019/mo
Deposit HK$1.19M · loan HK$10.71M · min. income ≈ HK$114,556/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,290 · Scale 2, in force from 26 Feb 2026)