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$26,627
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,455
−HK$841/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$30,018
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,622
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,416
−HK$806/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$32,868
+HK$1,646/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,444/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,952
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$1,010/mo
Today · 4.125%
HK$33,956
baseline
▲ 0.50% · 4.625%
HK$36,022
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,912/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,546
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,500
−HK$967/mo
Today · 4.125%
HK$37,467
baseline
▲ 0.50% · 4.625%
HK$39,442
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,934/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,277
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,437
−HK$1,178/mo
Today · 4.125%
HK$39,615
baseline
▲ 0.50% · 4.625%
HK$42,025
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,230/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,471
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,583
−HK$1,128/mo
Today · 4.125%
HK$43,711
baseline
▲ 0.50% · 4.625%
HK$46,015
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,422/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,928
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,419
−HK$1,514/mo
Today · 4.125%
HK$50,933
baseline
▲ 0.50% · 4.625%
HK$54,033
+HK$3,100/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,866/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,319
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,749
−HK$1,451/mo
Today · 4.125%
HK$56,200
baseline
▲ 0.50% · 4.625%
HK$59,162
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,400/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,889 · Scale 2, in force from 26 Feb 2026)