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$26,873
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$850/mo
Today · 4.125%
HK$28,559
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,737/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$57,118/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,896
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,698
−HK$814/mo
Today · 4.125%
HK$31,512
baseline
▲ 0.50% · 4.625%
HK$33,173
+HK$1,661/mo
Deposit HK$5.89M · loan HK$5.89M · min. income ≈ HK$63,024/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,248
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$33,251
−HK$1,019/mo
Today · 4.125%
HK$34,270
baseline
▲ 0.50% · 4.625%
HK$36,356
+HK$2,086/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$68,540/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,876
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$36,838
−HK$976/mo
Today · 4.125%
HK$37,814
baseline
▲ 0.50% · 4.625%
HK$39,807
+HK$1,993/mo
Deposit HK$4.71M · loan HK$7.07M · min. income ≈ HK$75,628/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$441,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,623
−HK$2,359/mo
▼ 0.25% · 3.875%
HK$38,793
−HK$1,189/mo
Today · 4.125%
HK$39,982
baseline
▲ 0.50% · 4.625%
HK$42,415
+HK$2,433/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$79,964/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,855
−HK$2,261/mo
▼ 0.25% · 3.875%
HK$42,977
−HK$1,139/mo
Today · 4.125%
HK$44,116
baseline
▲ 0.50% · 4.625%
HK$46,442
+HK$2,326/mo
Deposit HK$3.54M · loan HK$8.25M · min. income ≈ HK$88,232/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$441,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,372
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,877
−HK$1,528/mo
Today · 4.125%
HK$51,405
baseline
▲ 0.50% · 4.625%
HK$54,533
+HK$3,128/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$102,810/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,813
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,257
−HK$1,464/mo
Today · 4.125%
HK$56,721
baseline
▲ 0.50% · 4.625%
HK$59,711
+HK$2,990/mo
Deposit HK$1.18M · loan HK$10.61M · min. income ≈ HK$113,442/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,947 · Scale 2, in force from 26 Feb 2026)