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$26,660
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,490
−HK$842/mo
Today · 4.125%
HK$28,332
baseline
▲ 0.50% · 4.625%
HK$30,056
+HK$1,724/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,664/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,659
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,455
−HK$807/mo
Today · 4.125%
HK$31,262
baseline
▲ 0.50% · 4.625%
HK$32,910
+HK$1,648/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,524/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$438,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,992
−HK$2,007/mo
▼ 0.25% · 3.875%
HK$32,987
−HK$1,012/mo
Today · 4.125%
HK$33,999
baseline
▲ 0.50% · 4.625%
HK$36,067
+HK$2,068/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$67,998/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,591
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$36,546
−HK$968/mo
Today · 4.125%
HK$37,514
baseline
▲ 0.50% · 4.625%
HK$39,491
+HK$1,977/mo
Deposit HK$4.68M · loan HK$7.02M · min. income ≈ HK$75,028/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$438,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,324
−HK$2,341/mo
▼ 0.25% · 3.875%
HK$38,485
−HK$1,180/mo
Today · 4.125%
HK$39,665
baseline
▲ 0.50% · 4.625%
HK$42,078
+HK$2,413/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$79,330/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,523
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$42,637
−HK$1,129/mo
Today · 4.125%
HK$43,766
baseline
▲ 0.50% · 4.625%
HK$46,073
+HK$2,307/mo
Deposit HK$3.51M · loan HK$8.18M · min. income ≈ HK$87,532/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$438,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,988
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,481
−HK$1,517/mo
Today · 4.125%
HK$50,998
baseline
▲ 0.50% · 4.625%
HK$54,101
+HK$3,103/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$101,996/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,387
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,819
−HK$1,452/mo
Today · 4.125%
HK$56,271
baseline
▲ 0.50% · 4.625%
HK$59,237
+HK$2,966/mo
Deposit HK$1.17M · loan HK$10.52M · min. income ≈ HK$112,542/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$438,443 · Scale 2, in force from 26 Feb 2026)