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$27,161
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$858/mo
Today · 4.125%
HK$28,864
baseline
▲ 0.50% · 4.625%
HK$30,621
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,728/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,217
−HK$1,632/mo
▼ 0.25% · 3.875%
HK$31,027
−HK$822/mo
Today · 4.125%
HK$31,849
baseline
▲ 0.50% · 4.625%
HK$33,528
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,698/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,593
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$33,607
−HK$1,030/mo
Today · 4.125%
HK$34,637
baseline
▲ 0.50% · 4.625%
HK$36,745
+HK$2,108/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$69,274/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,260
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,232
−HK$987/mo
Today · 4.125%
HK$38,219
baseline
▲ 0.50% · 4.625%
HK$40,233
+HK$2,014/mo
Deposit HK$4.76M · loan HK$7.15M · min. income ≈ HK$76,438/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,026
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,209
−HK$1,201/mo
Today · 4.125%
HK$40,410
baseline
▲ 0.50% · 4.625%
HK$42,869
+HK$2,459/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,820/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,303
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,438
−HK$1,151/mo
Today · 4.125%
HK$44,589
baseline
▲ 0.50% · 4.625%
HK$46,939
+HK$2,350/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,178/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,890
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,411
−HK$1,545/mo
Today · 4.125%
HK$51,956
baseline
▲ 0.50% · 4.625%
HK$55,117
+HK$3,161/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,912/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,390
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,849
−HK$1,479/mo
Today · 4.125%
HK$57,328
baseline
▲ 0.50% · 4.625%
HK$60,350
+HK$3,022/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,656/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,681 · Scale 2, in force from 26 Feb 2026)