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$26,625
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,454
−HK$841/mo
Today · 4.125%
HK$28,295
baseline
▲ 0.50% · 4.625%
HK$30,017
+HK$1,722/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$56,590/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,620
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,415
−HK$806/mo
Today · 4.125%
HK$31,221
baseline
▲ 0.50% · 4.625%
HK$32,866
+HK$1,645/mo
Deposit HK$5.84M · loan HK$5.84M · min. income ≈ HK$62,442/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$437,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,950
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$1,010/mo
Today · 4.125%
HK$33,954
baseline
▲ 0.50% · 4.625%
HK$36,020
+HK$2,066/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$67,908/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,544
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,498
−HK$967/mo
Today · 4.125%
HK$37,465
baseline
▲ 0.50% · 4.625%
HK$39,440
+HK$1,975/mo
Deposit HK$4.67M · loan HK$7.01M · min. income ≈ HK$74,930/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$437,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,275
−HK$2,338/mo
▼ 0.25% · 3.875%
HK$38,435
−HK$1,178/mo
Today · 4.125%
HK$39,613
baseline
▲ 0.50% · 4.625%
HK$42,023
+HK$2,410/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$79,226/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,469
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$42,581
−HK$1,128/mo
Today · 4.125%
HK$43,709
baseline
▲ 0.50% · 4.625%
HK$46,013
+HK$2,304/mo
Deposit HK$3.50M · loan HK$8.17M · min. income ≈ HK$87,418/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$437,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,926
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,416
−HK$1,515/mo
Today · 4.125%
HK$50,931
baseline
▲ 0.50% · 4.625%
HK$54,030
+HK$3,099/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$101,862/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,317
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,747
−HK$1,450/mo
Today · 4.125%
HK$56,197
baseline
▲ 0.50% · 4.625%
HK$59,159
+HK$2,962/mo
Deposit HK$1.17M · loan HK$10.51M · min. income ≈ HK$112,394/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$437,867 · Scale 2, in force from 26 Feb 2026)