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$26,837
−HK$1,682/mo
▼ 0.25% · 3.875%
HK$27,671
−HK$848/mo
Today · 4.125%
HK$28,519
baseline
▲ 0.50% · 4.625%
HK$30,255
+HK$1,736/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$57,038/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,855
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,656
−HK$812/mo
Today · 4.125%
HK$31,468
baseline
▲ 0.50% · 4.625%
HK$33,127
+HK$1,659/mo
Deposit HK$5.88M · loan HK$5.88M · min. income ≈ HK$62,936/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$441,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,204
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$33,206
−HK$1,017/mo
Today · 4.125%
HK$34,223
baseline
▲ 0.50% · 4.625%
HK$36,306
+HK$2,083/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$68,446/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,826
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$36,787
−HK$975/mo
Today · 4.125%
HK$37,762
baseline
▲ 0.50% · 4.625%
HK$39,753
+HK$1,991/mo
Deposit HK$4.71M · loan HK$7.06M · min. income ≈ HK$75,524/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$441,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,571
−HK$2,356/mo
▼ 0.25% · 3.875%
HK$38,740
−HK$1,187/mo
Today · 4.125%
HK$39,927
baseline
▲ 0.50% · 4.625%
HK$42,357
+HK$2,430/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$79,854/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,798
−HK$2,258/mo
▼ 0.25% · 3.875%
HK$42,919
−HK$1,137/mo
Today · 4.125%
HK$44,056
baseline
▲ 0.50% · 4.625%
HK$46,378
+HK$2,322/mo
Deposit HK$3.53M · loan HK$8.24M · min. income ≈ HK$88,112/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$441,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,306
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,808
−HK$1,527/mo
Today · 4.125%
HK$51,335
baseline
▲ 0.50% · 4.625%
HK$54,459
+HK$3,124/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$102,670/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,740
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,181
−HK$1,462/mo
Today · 4.125%
HK$56,643
baseline
▲ 0.50% · 4.625%
HK$59,629
+HK$2,986/mo
Deposit HK$1.18M · loan HK$10.59M · min. income ≈ HK$113,286/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$441,342 · Scale 2, in force from 26 Feb 2026)