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$27,170
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$28,015
−HK$859/mo
Today · 4.125%
HK$28,874
baseline
▲ 0.50% · 4.625%
HK$30,631
+HK$1,757/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$57,748/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,226
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$31,037
−HK$823/mo
Today · 4.125%
HK$31,860
baseline
▲ 0.50% · 4.625%
HK$33,539
+HK$1,679/mo
Deposit HK$5.96M · loan HK$5.96M · min. income ≈ HK$63,720/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$446,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,604
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$33,618
−HK$1,031/mo
Today · 4.125%
HK$34,649
baseline
▲ 0.50% · 4.625%
HK$36,757
+HK$2,108/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$69,298/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,272
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$37,245
−HK$986/mo
Today · 4.125%
HK$38,231
baseline
▲ 0.50% · 4.625%
HK$40,247
+HK$2,016/mo
Deposit HK$4.77M · loan HK$7.15M · min. income ≈ HK$76,462/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$446,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,038
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,221
−HK$1,202/mo
Today · 4.125%
HK$40,423
baseline
▲ 0.50% · 4.625%
HK$42,883
+HK$2,460/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$80,846/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,317
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,452
−HK$1,151/mo
Today · 4.125%
HK$44,603
baseline
▲ 0.50% · 4.625%
HK$46,954
+HK$2,351/mo
Deposit HK$3.57M · loan HK$8.34M · min. income ≈ HK$89,206/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$446,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,906
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,427
−HK$1,546/mo
Today · 4.125%
HK$51,973
baseline
▲ 0.50% · 4.625%
HK$55,135
+HK$3,162/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$103,946/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,408
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,867
−HK$1,480/mo
Today · 4.125%
HK$57,347
baseline
▲ 0.50% · 4.625%
HK$60,370
+HK$3,023/mo
Deposit HK$1.19M · loan HK$10.72M · min. income ≈ HK$114,694/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$446,827 · Scale 2, in force from 26 Feb 2026)