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$26,710
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,541
−HK$844/mo
Today · 4.125%
HK$28,385
baseline
▲ 0.50% · 4.625%
HK$30,112
+HK$1,727/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$56,770/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$808/mo
Today · 4.125%
HK$31,320
baseline
▲ 0.50% · 4.625%
HK$32,971
+HK$1,651/mo
Deposit HK$5.86M · loan HK$5.86M · min. income ≈ HK$62,640/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$439,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,052
−HK$2,010/mo
▼ 0.25% · 3.875%
HK$33,049
−HK$1,013/mo
Today · 4.125%
HK$34,062
baseline
▲ 0.50% · 4.625%
HK$36,135
+HK$2,073/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$68,124/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,658
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$36,614
−HK$970/mo
Today · 4.125%
HK$37,584
baseline
▲ 0.50% · 4.625%
HK$39,565
+HK$1,981/mo
Deposit HK$4.69M · loan HK$7.03M · min. income ≈ HK$75,168/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$439,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,394
−HK$2,345/mo
▼ 0.25% · 3.875%
HK$38,557
−HK$1,182/mo
Today · 4.125%
HK$39,739
baseline
▲ 0.50% · 4.625%
HK$42,157
+HK$2,418/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$79,478/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,601
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$42,716
−HK$1,132/mo
Today · 4.125%
HK$43,848
baseline
▲ 0.50% · 4.625%
HK$46,159
+HK$2,311/mo
Deposit HK$3.51M · loan HK$8.20M · min. income ≈ HK$87,696/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$439,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,078
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,574
−HK$1,519/mo
Today · 4.125%
HK$51,093
baseline
▲ 0.50% · 4.625%
HK$54,202
+HK$3,109/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$102,186/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,487
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,921
−HK$1,455/mo
Today · 4.125%
HK$56,376
baseline
▲ 0.50% · 4.625%
HK$59,348
+HK$2,972/mo
Deposit HK$1.17M · loan HK$10.54M · min. income ≈ HK$112,752/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$439,262 · Scale 2, in force from 26 Feb 2026)