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$26,809
−HK$1,681/mo
▼ 0.25% · 3.875%
HK$27,643
−HK$847/mo
Today · 4.125%
HK$28,490
baseline
▲ 0.50% · 4.625%
HK$30,224
+HK$1,734/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$56,980/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,825
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,625
−HK$811/mo
Today · 4.125%
HK$31,436
baseline
▲ 0.50% · 4.625%
HK$33,093
+HK$1,657/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,872/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,171
−HK$2,017/mo
▼ 0.25% · 3.875%
HK$33,172
−HK$1,016/mo
Today · 4.125%
HK$34,188
baseline
▲ 0.50% · 4.625%
HK$36,269
+HK$2,081/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,376/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,790
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$36,750
−HK$974/mo
Today · 4.125%
HK$37,724
baseline
▲ 0.50% · 4.625%
HK$39,712
+HK$1,988/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,448/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,533
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$38,700
−HK$1,187/mo
Today · 4.125%
HK$39,887
baseline
▲ 0.50% · 4.625%
HK$42,314
+HK$2,427/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$79,774/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,755
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$42,875
−HK$1,136/mo
Today · 4.125%
HK$44,011
baseline
▲ 0.50% · 4.625%
HK$46,331
+HK$2,320/mo
Deposit HK$3.53M · loan HK$8.23M · min. income ≈ HK$88,022/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,257
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,758
−HK$1,525/mo
Today · 4.125%
HK$51,283
baseline
▲ 0.50% · 4.625%
HK$54,403
+HK$3,120/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$102,566/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,685
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,125
−HK$1,460/mo
Today · 4.125%
HK$56,585
baseline
▲ 0.50% · 4.625%
HK$59,568
+HK$2,983/mo
Deposit HK$1.18M · loan HK$10.58M · min. income ≈ HK$113,170/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,892 · Scale 2, in force from 26 Feb 2026)