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$26,792
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$847/mo
Today · 4.125%
HK$28,472
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,732/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$56,944/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,611/mo
▼ 0.25% · 3.875%
HK$30,605
−HK$811/mo
Today · 4.125%
HK$31,416
baseline
▲ 0.50% · 4.625%
HK$33,072
+HK$1,656/mo
Deposit HK$5.87M · loan HK$5.87M · min. income ≈ HK$62,832/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$440,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,150
−HK$2,016/mo
▼ 0.25% · 3.875%
HK$33,150
−HK$1,016/mo
Today · 4.125%
HK$34,166
baseline
▲ 0.50% · 4.625%
HK$36,245
+HK$2,079/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$68,332/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,766
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$36,726
−HK$973/mo
Today · 4.125%
HK$37,699
baseline
▲ 0.50% · 4.625%
HK$39,686
+HK$1,987/mo
Deposit HK$4.70M · loan HK$7.05M · min. income ≈ HK$75,398/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$440,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,508
−HK$2,352/mo
▼ 0.25% · 3.875%
HK$38,675
−HK$1,185/mo
Today · 4.125%
HK$39,860
baseline
▲ 0.50% · 4.625%
HK$42,286
+HK$2,426/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,720/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,727
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$42,846
−HK$1,136/mo
Today · 4.125%
HK$43,982
baseline
▲ 0.50% · 4.625%
HK$46,300
+HK$2,318/mo
Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$87,964/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$440,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,225
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,725
−HK$1,524/mo
Today · 4.125%
HK$51,249
baseline
▲ 0.50% · 4.625%
HK$54,367
+HK$3,118/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$102,498/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,650
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,088
−HK$1,460/mo
Today · 4.125%
HK$56,548
baseline
▲ 0.50% · 4.625%
HK$59,529
+HK$2,981/mo
Deposit HK$1.17M · loan HK$10.57M · min. income ≈ HK$113,096/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$440,601 · Scale 2, in force from 26 Feb 2026)