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$27,305
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,155
−HK$863/mo
Today · 4.125%
HK$29,018
baseline
▲ 0.50% · 4.625%
HK$30,783
+HK$1,765/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$58,036/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,377
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,192
−HK$826/mo
Today · 4.125%
HK$32,018
baseline
▲ 0.50% · 4.625%
HK$33,706
+HK$1,688/mo
Deposit HK$5.99M · loan HK$5.99M · min. income ≈ HK$64,036/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$449,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,767
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$33,786
−HK$1,035/mo
Today · 4.125%
HK$34,821
baseline
▲ 0.50% · 4.625%
HK$36,940
+HK$2,119/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$69,642/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,453
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$37,430
−HK$992/mo
Today · 4.125%
HK$38,422
baseline
▲ 0.50% · 4.625%
HK$40,447
+HK$2,025/mo
Deposit HK$4.79M · loan HK$7.18M · min. income ≈ HK$76,844/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$449,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,228
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$39,417
−HK$1,208/mo
Today · 4.125%
HK$40,625
baseline
▲ 0.50% · 4.625%
HK$43,097
+HK$2,472/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$81,250/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,528
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$43,669
−HK$1,157/mo
Today · 4.125%
HK$44,826
baseline
▲ 0.50% · 4.625%
HK$47,188
+HK$2,362/mo
Deposit HK$3.59M · loan HK$8.38M · min. income ≈ HK$89,652/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,150
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,679
−HK$1,553/mo
Today · 4.125%
HK$52,232
baseline
▲ 0.50% · 4.625%
HK$55,410
+HK$3,178/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$104,464/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,679
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,145
−HK$1,488/mo
Today · 4.125%
HK$57,633
baseline
▲ 0.50% · 4.625%
HK$60,671
+HK$3,038/mo
Deposit HK$1.20M · loan HK$10.78M · min. income ≈ HK$115,266/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$449,054 · Scale 2, in force from 26 Feb 2026)