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$27,204
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$28,050
−HK$859/mo
Today · 4.125%
HK$28,909
baseline
▲ 0.50% · 4.625%
HK$30,668
+HK$1,759/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,818/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,264
−HK$1,635/mo
▼ 0.25% · 3.875%
HK$31,075
−HK$824/mo
Today · 4.125%
HK$31,899
baseline
▲ 0.50% · 4.625%
HK$33,580
+HK$1,681/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,798/mo (50% DSR)
Upfront cash ≈ HK$6.41M (deposit + AVD stamp duty HK$447,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,644
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$33,660
−HK$1,031/mo
Today · 4.125%
HK$34,691
baseline
▲ 0.50% · 4.625%
HK$36,802
+HK$2,111/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$69,382/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,316
−HK$1,962/mo
▼ 0.25% · 3.875%
HK$37,290
−HK$988/mo
Today · 4.125%
HK$38,278
baseline
▲ 0.50% · 4.625%
HK$40,296
+HK$2,018/mo
Deposit HK$4.77M · loan HK$7.16M · min. income ≈ HK$76,556/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$447,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,085
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$39,270
−HK$1,203/mo
Today · 4.125%
HK$40,473
baseline
▲ 0.50% · 4.625%
HK$42,936
+HK$2,463/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$80,946/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,369
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$43,505
−HK$1,153/mo
Today · 4.125%
HK$44,658
baseline
▲ 0.50% · 4.625%
HK$47,012
+HK$2,354/mo
Deposit HK$3.58M · loan HK$8.35M · min. income ≈ HK$89,316/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,966
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,489
−HK$1,548/mo
Today · 4.125%
HK$52,037
baseline
▲ 0.50% · 4.625%
HK$55,203
+HK$3,166/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$104,074/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,475
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,936
−HK$1,482/mo
Today · 4.125%
HK$57,418
baseline
▲ 0.50% · 4.625%
HK$60,444
+HK$3,026/mo
Deposit HK$1.19M · loan HK$10.74M · min. income ≈ HK$114,836/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,377 · Scale 2, in force from 26 Feb 2026)