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$27,238
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$28,086
−HK$861/mo
Today · 4.125%
HK$28,947
baseline
▲ 0.50% · 4.625%
HK$30,708
+HK$1,761/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$57,894/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,303
−HK$1,637/mo
▼ 0.25% · 3.875%
HK$31,115
−HK$825/mo
Today · 4.125%
HK$31,940
baseline
▲ 0.50% · 4.625%
HK$33,623
+HK$1,683/mo
Deposit HK$5.97M · loan HK$5.97M · min. income ≈ HK$63,880/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$447,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,686
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$33,703
−HK$1,033/mo
Today · 4.125%
HK$34,736
baseline
▲ 0.50% · 4.625%
HK$36,849
+HK$2,113/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$69,472/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,363
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$37,338
−HK$990/mo
Today · 4.125%
HK$38,328
baseline
▲ 0.50% · 4.625%
HK$40,348
+HK$2,020/mo
Deposit HK$4.78M · loan HK$7.17M · min. income ≈ HK$76,656/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$447,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,134
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$39,320
−HK$1,205/mo
Today · 4.125%
HK$40,525
baseline
▲ 0.50% · 4.625%
HK$42,991
+HK$2,466/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$81,050/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,424
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$43,561
−HK$1,155/mo
Today · 4.125%
HK$44,716
baseline
▲ 0.50% · 4.625%
HK$47,073
+HK$2,357/mo
Deposit HK$3.58M · loan HK$8.36M · min. income ≈ HK$89,432/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$447,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,029
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,554
−HK$1,550/mo
Today · 4.125%
HK$52,104
baseline
▲ 0.50% · 4.625%
HK$55,274
+HK$3,170/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$104,208/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,545
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$56,007
−HK$1,484/mo
Today · 4.125%
HK$57,491
baseline
▲ 0.50% · 4.625%
HK$60,522
+HK$3,031/mo
Deposit HK$1.19M · loan HK$10.75M · min. income ≈ HK$114,982/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$447,952 · Scale 2, in force from 26 Feb 2026)