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$26,700
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$844/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$30,101
+HK$1,726/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,500
−HK$809/mo
Today · 4.125%
HK$31,309
baseline
▲ 0.50% · 4.625%
HK$32,959
+HK$1,650/mo
Deposit HK$5.85M · loan HK$5.85M · min. income ≈ HK$62,618/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$439,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,040
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$1,013/mo
Today · 4.125%
HK$34,050
baseline
▲ 0.50% · 4.625%
HK$36,121
+HK$2,071/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$68,100/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,645
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$36,600
−HK$970/mo
Today · 4.125%
HK$37,570
baseline
▲ 0.50% · 4.625%
HK$39,551
+HK$1,981/mo
Deposit HK$4.68M · loan HK$7.03M · min. income ≈ HK$75,140/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,380
−HK$2,344/mo
▼ 0.25% · 3.875%
HK$38,543
−HK$1,181/mo
Today · 4.125%
HK$39,724
baseline
▲ 0.50% · 4.625%
HK$42,142
+HK$2,418/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,448/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,585
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,701
−HK$1,131/mo
Today · 4.125%
HK$43,832
baseline
▲ 0.50% · 4.625%
HK$46,142
+HK$2,310/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,664/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,060
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,555
−HK$1,519/mo
Today · 4.125%
HK$51,074
baseline
▲ 0.50% · 4.625%
HK$54,182
+HK$3,108/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,148/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,467
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,901
−HK$1,454/mo
Today · 4.125%
HK$56,355
baseline
▲ 0.50% · 4.625%
HK$59,326
+HK$2,971/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,710/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,100 · Scale 2, in force from 26 Feb 2026)