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$27,249
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,097
−HK$861/mo
Today · 4.125%
HK$28,958
baseline
▲ 0.50% · 4.625%
HK$30,720
+HK$1,762/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$57,916/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,314
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$31,127
−HK$825/mo
Today · 4.125%
HK$31,952
baseline
▲ 0.50% · 4.625%
HK$33,637
+HK$1,685/mo
Deposit HK$5.98M · loan HK$5.98M · min. income ≈ HK$63,904/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$448,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,699
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$33,716
−HK$1,034/mo
Today · 4.125%
HK$34,750
baseline
▲ 0.50% · 4.625%
HK$36,864
+HK$2,114/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,500/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,377
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$37,353
−HK$990/mo
Today · 4.125%
HK$38,343
baseline
▲ 0.50% · 4.625%
HK$40,364
+HK$2,021/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,686/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$448,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,149
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$39,336
−HK$1,205/mo
Today · 4.125%
HK$40,541
baseline
▲ 0.50% · 4.625%
HK$43,008
+HK$2,467/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$81,082/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,440
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$43,578
−HK$1,155/mo
Today · 4.125%
HK$44,733
baseline
▲ 0.50% · 4.625%
HK$47,091
+HK$2,358/mo
Deposit HK$3.59M · loan HK$8.37M · min. income ≈ HK$89,466/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$448,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,049
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,574
−HK$1,550/mo
Today · 4.125%
HK$52,124
baseline
▲ 0.50% · 4.625%
HK$55,296
+HK$3,172/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$104,248/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,566
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,029
−HK$1,485/mo
Today · 4.125%
HK$57,514
baseline
▲ 0.50% · 4.625%
HK$60,546
+HK$3,032/mo
Deposit HK$1.20M · loan HK$10.76M · min. income ≈ HK$115,028/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$448,128 · Scale 2, in force from 26 Feb 2026)