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$27,001
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,841
−HK$853/mo
Today · 4.125%
HK$28,694
baseline
▲ 0.50% · 4.625%
HK$30,440
+HK$1,746/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$57,388/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$444,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,038
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,844
−HK$817/mo
Today · 4.125%
HK$31,661
baseline
▲ 0.50% · 4.625%
HK$33,330
+HK$1,669/mo
Deposit HK$5.92M · loan HK$5.92M · min. income ≈ HK$63,322/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$444,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,401
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$33,409
−HK$1,024/mo
Today · 4.125%
HK$34,433
baseline
▲ 0.50% · 4.625%
HK$36,528
+HK$2,095/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$68,866/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,046
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$37,012
−HK$981/mo
Today · 4.125%
HK$37,993
baseline
▲ 0.50% · 4.625%
HK$39,996
+HK$2,003/mo
Deposit HK$4.74M · loan HK$7.10M · min. income ≈ HK$75,986/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$444,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,801
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,977
−HK$1,195/mo
Today · 4.125%
HK$40,172
baseline
▲ 0.50% · 4.625%
HK$42,616
+HK$2,444/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$80,344/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,053
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,181
−HK$1,144/mo
Today · 4.125%
HK$44,325
baseline
▲ 0.50% · 4.625%
HK$46,662
+HK$2,337/mo
Deposit HK$3.55M · loan HK$8.29M · min. income ≈ HK$88,650/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$444,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,601
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,113
−HK$1,536/mo
Today · 4.125%
HK$51,649
baseline
▲ 0.50% · 4.625%
HK$54,792
+HK$3,143/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$103,298/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,069
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,519
−HK$1,471/mo
Today · 4.125%
HK$56,990
baseline
▲ 0.50% · 4.625%
HK$59,994
+HK$3,004/mo
Deposit HK$1.18M · loan HK$10.66M · min. income ≈ HK$113,980/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$444,042 · Scale 2, in force from 26 Feb 2026)