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$27,289
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,138
−HK$863/mo
Today · 4.125%
HK$29,001
baseline
▲ 0.50% · 4.625%
HK$30,765
+HK$1,764/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$58,002/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,359
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,173
−HK$826/mo
Today · 4.125%
HK$31,999
baseline
▲ 0.50% · 4.625%
HK$33,686
+HK$1,687/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,998/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$448,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,747
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,766
−HK$1,035/mo
Today · 4.125%
HK$34,801
baseline
▲ 0.50% · 4.625%
HK$36,918
+HK$2,117/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,602/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,431
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$37,408
−HK$991/mo
Today · 4.125%
HK$38,399
baseline
▲ 0.50% · 4.625%
HK$40,423
+HK$2,024/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,798/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$448,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,205
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$39,394
−HK$1,207/mo
Today · 4.125%
HK$40,601
baseline
▲ 0.50% · 4.625%
HK$43,071
+HK$2,470/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,202/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,503
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$43,643
−HK$1,156/mo
Today · 4.125%
HK$44,799
baseline
▲ 0.50% · 4.625%
HK$47,161
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,598/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$448,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,121
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,649
−HK$1,552/mo
Today · 4.125%
HK$52,201
baseline
▲ 0.50% · 4.625%
HK$55,378
+HK$3,177/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$104,402/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,647
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,112
−HK$1,487/mo
Today · 4.125%
HK$57,599
baseline
▲ 0.50% · 4.625%
HK$60,635
+HK$3,036/mo
Deposit HK$1.20M · loan HK$10.77M · min. income ≈ HK$115,198/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$448,789 · Scale 2, in force from 26 Feb 2026)