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$27,111
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$27,954
−HK$857/mo
Today · 4.125%
HK$28,811
baseline
▲ 0.50% · 4.625%
HK$30,564
+HK$1,753/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,622/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,160
−HK$1,630/mo
▼ 0.25% · 3.875%
HK$30,969
−HK$821/mo
Today · 4.125%
HK$31,790
baseline
▲ 0.50% · 4.625%
HK$33,465
+HK$1,675/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,580/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,533
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$33,545
−HK$1,028/mo
Today · 4.125%
HK$34,573
baseline
▲ 0.50% · 4.625%
HK$36,677
+HK$2,104/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$69,146/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,192
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$37,163
−HK$985/mo
Today · 4.125%
HK$38,148
baseline
▲ 0.50% · 4.625%
HK$40,159
+HK$2,011/mo
Deposit HK$4.76M · loan HK$7.13M · min. income ≈ HK$76,296/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,955
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,136
−HK$1,199/mo
Today · 4.125%
HK$40,335
baseline
▲ 0.50% · 4.625%
HK$42,789
+HK$2,454/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$80,670/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,224
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,357
−HK$1,149/mo
Today · 4.125%
HK$44,506
baseline
▲ 0.50% · 4.625%
HK$46,852
+HK$2,346/mo
Deposit HK$3.57M · loan HK$8.32M · min. income ≈ HK$89,012/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,799
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,317
−HK$1,542/mo
Today · 4.125%
HK$51,859
baseline
▲ 0.50% · 4.625%
HK$55,015
+HK$3,156/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$103,718/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,289
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,745
−HK$1,477/mo
Today · 4.125%
HK$57,222
baseline
▲ 0.50% · 4.625%
HK$60,238
+HK$3,016/mo
Deposit HK$1.19M · loan HK$10.70M · min. income ≈ HK$114,444/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,849 · Scale 2, in force from 26 Feb 2026)